Was ist das eigentlich? Cyberrisiken verständlich erklärt
Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.
Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.
Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.
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Exam Number : AZ-303
Exam Name : Microsoft Azure Architect Technologies
Vendor Name : Microsoft
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AZ-303 test Format | AZ-303 Course Contents | AZ-303 Course Outline | AZ-303 test Syllabus | AZ-303 test Objectives
EXAM NUMBER : AZ-303
EXAM NAME : Microsoft Azure Architect Technologies
Candidates for this test should have subject matter expertise in designing and implementing solutions that run on Microsoft Azure, including aspects like compute, network, storage, and security. Candidates should have intermediate-level skills for administering Azure. Candidates should understand Azure development and DevOps processes.
Responsibilities for an Azure Solution Architect include advising stakeholders and translating business requirements into secure, scalable, and reliable cloud solutions.
An Azure Solution Architect partners with cloud administrators, cloud DBAs, and clients to implement solutions.
A candidate for this test should have advanced experience and knowledge of IT operations, including networking, virtualization, identity, security, business continuity, disaster recovery, data platform, budgeting, and governance–this role should manage how decisions in each area affect an overall solution. In addition, this role should have expert-level skills in Azure administration and have experience with Azure development and DevOps processes.
- Implement and monitor an Azure infrastructure (50-55%)
- Implement management and security solutions (25-30%)
- Implement solutions for apps (10-15%)
- Implement and manage data platforms (10-15%)
Implement and Monitor an Azure Infrastructure (50-55%)
Implement cloud infrastructure monitoring
monitor security
monitor performance
monitor health and availability
monitor cost
configure advanced logging
configure logging for workloads initiate automated responses by using Action Groups
configure and manage advanced alerts Implement storage accounts
select storage account options based on a use case
configure Azure Files and blob storage
configure network access to the storage account
implement Shared Access Signatures and access policies
implement Azure AD authentication for storage
manage access keys
implement Azure storage replication
implement Azure storage account failover
Implement VMs for Windows and Linux
configure High Availability
configure storage for VMs
select virtual machine size
implement Azure Dedicated Hosts
deploy and configure scale sets
configure Azure Disk Encryption
Automate deployment and configuration of resources
save a deployment as an Azure Resource Manager template
modify Azure Resource Manager template
evaluate location of new resources
configure a virtual disk template
deploy from a template
manage a template library
create and execute an automation runbook
Implement virtual networking
implement VNet to VNet connections
implement VNet peering
Implement Azure Active Directory
add custom domains
configure Azure AD Identity Protection
implement self-service password reset
implement Conditional Access including MFA
configure user accounts for MFA
configure fraud alerts
configure bypass options
configure Trusted IPs
configure verification methods
implement and manage guest accounts
manage multiple directories
Implement and manage hybrid identities
install and configure Azure AD Connect
identity synchronization options
configure and manage password sync and password writeback
configure single sign-on
use Azure AD Connect Health
Implement Management and Security Solutions (25-30%)
Manage workloads in Azure
migrate workloads using Azure Migrate
implement Azure Backup for VMs
implement disaster recovery
implement Azure Update Management
Implement load balancing and network security
implement Azure Load Balancer
implement an application gateway
implement a Web Application Firewall
implement Azure Firewall
implement Azure Firewall Manager
implement the Azure Front Door Service
implement Azure Traffic Manager
implement Network Security Groups and Application Security Groups
implement Bastion
Implement and manage Azure governance solutions
create and manage hierarchical structure that contains management groups,subscriptions and resource groups
assign RBAC roles
create a custom RBAC role
configure access to Azure resources by assigning roles
configure management access to Azure
interpret effective permissions
set up and perform an access review
implement and configure an Azure Policy
implement and configure an Azure Blueprint
Manage security for applications
implement and configure KeyVault
implement and configure Managed Identities
register and manage applications in Azure AD
Implement Solutions for Apps (10-15%)
Implement an application infrastructure
create and configure Azure App Service
create an App Service Web App for Containers
create and configure an App Service plan
configure an App Service
configure networking for an App Service
create and manage deployment slots
implement Logic Apps
implement Azure Functions
Implement container-based applications
create a container image
configure Azure Kubernetes Service
publish and automate image deployment to the Azure Container Registry
publish a solution on an Azure Container Instance
Implement and Manage Data Platforms (10-15%)
Implement NoSQL databases
configure storage account tables
select appropriate CosmosDB APIs
set up replicas in CosmosDB
Implement Azure SQL databases
configure Azure SQL database settings
implement Azure SQL Database managed instances
configure HA for an Azure SQL database
publish an Azure SQL database
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Microsoft Architect Latest Questions
Microsoft Announces Preview of OpenAPI Specification V3 in Azure … – InfoQ.comFacilitating the Spread of Knowledge and Innovation in Professional Software Development Back to login Back to loginThomas Dullien discusses how language design choices impact performance, how Google’s monorepo culture and Amazon’s two-pizza-team culture impact code efficiency, and why statistical variance is an enemy.This article describes the journey of the migration towards a Federated GraphQL architecture. Specifically, it shows the GraphQL platform Netflix has built consisting of the Domain Graph Services framework for implementing GraphQL services in Java using Spring Boot and graphql-java, and tools for schema development. It also describes how the ecosystem has evolved at various stages of adoption.Neha Pawar discusses how to query data on the cloud directly with sub-seconds latencies, diving into data fetch and optimization strategies, challenges faced and learnings.Can they increase their flexibility? Can they increase their test coverage? Can they increase their efficiency? And is it possible to reduce their verification lead-time by 50%? One company challenged itself with these questions. This article explores two important “‘pillars”’ of their testing strategy: shifting left and using state-of-the-art techniques to support verification activities.Joe Duffy discusses the challenges (and solutions) met while running IaC and how that shapes the future of IaC.See what’s next in Large Language Model (LLM) architectures used in tools like ChatGPT.Learn what’s next in software from world-class leaders pushing the boundaries. Attend in-person or get video-only pass to recordings.Discover new ideas and insights from senior practitioners driving change in software. Attend in-person.Your monthly guide to all the topics, technologies and techniques that every professional needs to know about. Subscribe for free.InfoQ Homepage News Microsoft Announces Preview of OpenAPI Specification V3 in Azure API ManagementThis item in japaneseJan 29, 2019 2 min readby Eldert GrootenboerRecently Microsoft has announced support for the OpenAPI specification v3 in Azure API Management, which is their service that enables the set up, publishing, monitoring and maintainence of APIs. Support of the OpenAPI specification has been implemented through the OpenAPI.NET SDK and allows the abstraction of the definition of APIs from their implementation.The OpenAPI specification, previously known as Swagger, provides the means to describe RESTful web services in a language independent way. As OpenAPI is widely adopted, a diverse ecosystem is available with tools for designing, documenting, building, testing and implementing governance. The specification gets overseen by the OpenAPI Initiative, owned by the Linux Foundation, and has a wide variety of organizations driving its development, including companies such as SmartBear, Microsoft, and WSO2. Anyone can follow or even contribute to the development of the specification on the GitHub repository of the OpenAPI Initiative.According to Tom Kerkhove, Microsoft Azure MVP and Azure Architect, the specification has an important role when exposing APIs to their consumers.Providing clean and well-documented APIs is a must. This allows your consumers to know what capabilities you provide, what they are for and what to expect. This is where the OpenAPI specification, aka Swagger, comes in and defines how APIs should be defined across the industry, regardless of what technology is underneath it.Version 3 of the specification has brought several changes, and as such these are now also available for Azure API Management. For instance, this new version introduced a whole new architecture with components such as headers, links, and callbacks, taking a more modular approach in the definition, as described by Guy Levin, CTO at RestCase.Version 3.0 of the API specification format has taken a much more modular, and reusable approach to defining the surface area of an API, enabling more power and versatility when it comes to describing the request and response models, as well as providing details on the common components that make up API usage like the underlying data schema and security definitions.Another introduced option is to include callbacks to an operation, meaning it is now possible to describe webhooks for these. Finally, linking allows defining relationships between different paths of the APIs, providing the capability to expand on its attributes. Writing for InfoQ has opened many doors and increased career opportunities for me. I was able to deeply engage with experts and thought leaders to learn more about the courses I covered. And I can also disseminate my learnings to the wider tech community and understand how the technologies are used in the real world.I discovered InfoQ’s contributor program earlier this year and have enjoyed it since then! In addition to providing me with a platform to share learning with a global community of software developers, InfoQ’s peer-to-peer review system has significantly improved my writing. If you’re searching for a place to share your software expertise, start contributing to InfoQ.I started writing news for the InfoQ .NET queue as a way of keeping up to date with technology, but I got so much more out of it. I met knowledgeable people, got global visibility, and improved my writing skills.Becoming an editor for InfoQ was one of the best decisions of my career. It has challenged me and helped me grow in so many ways. We'd love to have more people join their team.InfoQ seeks a full-time Editor-in-Chief to join C4Media’s international, always remote team. Join us to cover the most innovative technologies of their time, collaborate with the world’s brightest software practitioners, and help more than 1.6 million dev teams adopt new technologies and practices that push the boundaries of what software and teams can deliver!A round-up of last week’s content on InfoQ sent out every Tuesday. Join a community of over 250,000 senior developers. View an example We protect your privacy.You need to Register an InfoQ account or Login or login to post comments. But there’s so much more behind being registered.Get the most out of the InfoQ experience.Allowed html: a,b,br,blockquote,i,li,pre,u,ul,p Allowed html: a,b,br,blockquote,i,li,pre,u,ul,p Allowed html: a,b,br,blockquote,i,li,pre,u,ul,p A round-up of last week’s content on InfoQ sent out every Tuesday. Join a community of over 250,000 senior developers. View an example We protect your privacy.InfoQ.com and all content copyright © 2006-2023 C4Media Inc.Privacy Notice, Terms And Conditions, Cookie Policy source Creating a community for enterprise architecture professionalsGuest contributor | 07 August 2023 The world of enterprise architecture (EA) is continuing to evolve and as it does, the needs of its practitioners evolve too. That’s why Orbus Software has launched a new and improved community platform, OrbusNexus. As American author and business executive Seth Godin once said: “We don’t create a community by collecting people. They create a community by sharing purpose.” Inspired by this philosophy, the purpose of OrbusNexus is to provide a dynamic, engaging and collaborative space for EA professionals to connect, share and innovate together. The platform – which was built in collaboration with professional services provider Kaptius on ServiceNow – has been designed to enable like-minded EA experts to expand their networks, build valuable relationships, and learn from each other’s knowledge and experience. They believe in the power of collective intelligence and encourage users to actively participate in discussions, contribute valuable content and explore the wealth of resources available. OrbusNexus will also act as a collaboration hub. Enterprise architects from across the globe can engage in group projects, join specialised interest groups, and participate in hackathons and competitions that push the boundaries of what’s possible in the field of EA. On top of all that, the platform offers a user-friendly interface, powerful search capabilities, personalised content recommendations, and advanced networking tools. It’s a one-stop-shop where users can access exclusive resources, stay up to date with the latest industry trends, and explore new opportunities for professional growth. Enterprise architects aiming to advance their skills and build powerful partnerships can become part of this dynamic community here Tim Mitchell is chief evangelist at Orbus Software This article was originally published in the Summer 2023 issue of Technology Record. To get future issues delivered directly to your inbox, sign up for a free subscription Exploring Yale’s role in the time-bending nature of modern architectureThroughout much of the 20th century, a unique interdisciplinary conversation unfolded at Yale concerning the role of time and history in modern art and architecture. It was an ongoing discussion among artistic and intellectual heavyweights. Key participants included architects Louis Kahn, Everett Victor Meeks, James Gamble Rogers, Paul Rudolph, and Eero Saarinen; artists Anni and Josef Albers; philosopher Paul Weiss; and art historians Henri Focillon, George Kubler, Sibyl Moholy-Nagy, and Vincent Scully. All resisted the notion that modern art and architecture must be of its time and forward looking. “Untimely Moderns: How 20th Century Architecture Reimagined the Past” (Yale University Press), the latest book by Eeva-Liisa Pelkonen, professor and assistant dean at Yale School of Architecture, explores this wide-ranging conversation, examining the figures involved and their roles in shaping modern art and architecture. Pelkonen recently spoke to Yale News about the book and the “time-bending” quality of the architecture that makes the university’s campus unique. The interview has been edited and condensed. What is the meaning of “untimely” in the book’s title?Eeva-Liisa Pelkonen: The book’s key point, as the title suggests, concerns modern architecture’s unsettled and at times tortuous relationship to time and history. There is an idea that being modern in art and architecture requires living in the present and looking towards the future, but I discovered through my research that many of the modern architects of the 20th century were quite preoccupied with the past, to the point that their questions challenged the linear view of historical time. Imagine how it must have felt to enter the phantasmagoric curvy interior of the Ingalls Rink upon its completion in 1958! Architecture’s time-bending power is quite magical. Eeva-Liisa Pelkonen My argument rests on this notion of temporal disorientation, which involves the somewhat paradoxical idea that imagining the future requires reimagining the past. The individuals at the center of the story all shared a penchant for conflating the past, present, and future in their work. What makes Yale an apt setting for this inquiry?Pelkonen: The setting is somewhat autobiographical. I came to Yale 30 years ago and was flabbergasted by the Gothic architecture of the residential colleges and the library designed by James Gamble Rogers. And after seeing the date on the Sterling Law Building, I was completely taken aback that these buildings were built in the 1920s and early 1930s. I came to Yale from my native Finland via Austria, and in both of those countries 20th-century architecture was marked by looking forward, almost to the point where the past was never discussed. So I was surprised to find out that some 20th-century Americans were so transfixed by tradition. If you look at even buildings that were built in the mid-century, like Louis Kahn’s addition to the Yale University Art Gallery and Paul Rudolph’s Art and Architecture Building, now Rudolph Hall, they have a time-bending quality that makes them difficult to date. For example, the fortress-like concrete exterior of Rudolph Hall hides a polychromatic interior filled with plaster cast copies of ancient Babylonian, Egyptian, and Greek artworks. It has taken me a long time to accept that architecture can bend time and act as a temporal medium in a way that makes us think about time and history in a different way. In a way, when you walk the Yale campus, you’re exposed to architecture’s time-bending power; one that allows one to remove oneself from current historical time and inhabit a kind of Ersatz-reality with alternate temporal coordinates. Entering the Sterling Memorial Library still feels like traveling to the past. But then, some buildings work the other way, too, as they allow us to imagine new realities, even new futures. Imagine how it must have felt to enter the phantasmagoric curvy interior of the Ingalls Rink upon its completion in 1958! Architecture’s time-bending power is quite magical. ![]() Pelkonen: After he began teaching at Yale in 1947, Kahn rejected the modernist dogma that architectural spaces should be created with specific functions in mind, which was a way to anchor architecture in contemporaneous notions of use. He believed that architectural space should transcend time and enable future uses. Similarly, he celebrated how platonic forms — triangles, circles, and cubes — embody a sense of eternal time. In his mind people come and go, functions change, but the architectural spaces and forms remain. Kahn and many of his contemporaries started thinking about architecture this way after visiting Rome and seeing buildings like the Pantheon that have been used through millennia for different purposes. Thinking through the long duration of architecture was very important to him. He was also greatly influenced by the philosopher Paul Weiss’s teachings about the experience of time and adopted the idea about the presence of the past from his writings. ![]() Pelkonen: I start the story in the early 1920s when Everett Victor Meeks — who was the dean of the School of Art at the time — made art and architecture part of a humanities-based liberal arts education. In doing so, he showed that the arts concern larger questions that implicate the humanities and made the study of architectural history mandatory for architecture students. He also built the framework that combined art and architecture into an interdisciplinary conversation. That was very important because it allowed artists, architects, writers, and historians to have conversations about big questions, such as architecture’s relationship to time and history. The individuals at the center of the story all shared a penchant for conflating the past, present, and future in their work. Eeva-Liisa Pelkonen During his tenure Yale expanded its art gallery, which became a lively center for the debate surrounding modern art and architecture in the 1930s and 40s. Subsequently, starting in the late 1940s, Yale began hiring modernists like Kahn and Josef Albers, who is another crucial character in this story, along with his wife, Anni. The Albers had met at the Bauhaus, which was interesting in how it combined crafts with the fine arts. They think of the Bauhaus as this trailblazing avant-garde institution – modern and forward looking — but Josef and Anni were not interested in newness at all! On the contrary, they were very interested in establishing transhistorical and universally valid foundations for art. Joseph Albers, of course, famously taught the foundations course at the Yale School of Art. The idea of “foundations” was significant in that it assumed that art and architecture are based on time-tested, medium specific principles. Also, their work and words came to have a profound impact on Kahn. And what role did art historians play in developing these discussions of the temporal in modern art and architecture?Pelkonen: Henri Focillon, a prominent French scholar of medieval art, came to Yale from the Sorbonne in 1933 to teach a two-year course at the School of Fine Arts [which over the next few decades morphed into independent schools of art, architecture, and drama] on “the history and criticism of art.” He remained on the faculty until his death in 1943 and was instrumental in founding the Department of the History of Art [which is now part of Yale’s Faculty of Arts and Sciences]. Focillon helped establish art historical formalism — the idea that art be unmoored from historical time, that there’s something eternal and timeless at its center, and that form transcends time and has its own temporal framework — as a tenet of the teaching of art history at Yale. Two of his disciples, George Kubler and Vincent Scully, would have long and celebrated scholarly careers at Yale. These three figures — Focillon, Kubler, and Scully — form the intellectual backbone of my book’s story through their advocacy of art historical formalism. Vincent Scully was an important figure on campus for many decades, cherished for his captivating lectures. What did he contribute to art historical formalism?Pelkonen: In my mind, Scully’s contribution was to infuse art historical formalism with psychoanalytic theory. He believed that all great architecture was a symbolic act, that is a product of an eternal existential strife. The architects he loved, like Kahn and Frank Lloyd Wright, grappled with big themes of human existence, like the eternal quest for shelter, through the archetypal forms they created. Scully radically unmoored architecture from its historical context and never cited dates in his lectures or books. This allowed him to reach the conclusion that the people who built the Mayan temples and the 20th-century architect Robert Venturi grappled with the same existential questions because they both used the geometric form of the triangle in their work. Scully believed that deciphering architecture in this manner could provide cure for the ills that humanity was facing. His references to caves, for example, were indicative of the existential threat that plagued the post-atomic era. All in all, Scully believed that they should study the past for the same reason that psychoanalysts mine people’s pasts: it’s where the causes and cures of their troubles lie. They should want to revisit the past so that they can cure their current condition. He saw himself as a historian, who like a psychoanalyst, helps architects to decipher their own work. He also saw that architects who were unable to come to terms with the past were experiencing some sort of repression that they could overcome through the insights of a historian. Subsequently, he helped two generations of architects and architecture students reimagine the past through his half-a-century-long teaching career. |
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Warum sind Cyberrisiken so schwer greifbar?
Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.
Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyberattacken werden nur selten publiziert.
Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.
Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells
Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schadenszenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.
Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.
Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.
Nicht kriminelle Ursachen
Höhere Gewalt
Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.
Menschliches Versagen/Fehlverhalten
Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.
Technisches Versagen
Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.
Kriminelle Ursachen
Hackerangriffe
Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.
Physischer Angriff
Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hackerangriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.
Erpressung
Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hackerangriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.
Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:
Cyber-Kosten:
- Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
- Krisenkommunikation / PR-Maßnahmen
- Systemverbesserungen nach einer Cyber-Attacke
- Aufwendungen vor Eintritt des Versicherungsfalls
Cyber-Drittschäden (Haftpflicht):
- Befriedigung oder Abwehr von Ansprüchen Dritter
- Rechtswidrige elektronische Kommunikation
- Ansprüche der E-Payment-Serviceprovider
- Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
- Vertragliche Schadenersatzansprüche
- Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
- Rechtsverteidigungskosten
Cyber-Eigenschäden:
- Betriebsunterbrechung
- Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
- Mehrkosten
- Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
- Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
- Cyber-Erpressung
- Entschädigung mit Strafcharakter/Bußgeld
- Ersatz-IT-Hardware
- Cyber-Betrug