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-800
Exam Name : Administering Windows Server Hybrid Core Infrastructure
Vendor Name : Microsoft
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AZ-800 test Format | AZ-800 Course Contents | AZ-800 Course Outline | AZ-800 test Syllabus | AZ-800 test Objectives

Exam Details for AZ-800 Administering Windows Server Hybrid Core Infrastructure:

Number of Questions: The test consists of approximately 40-60 questions.

Time Limit: The total time allocated for the test is 180 minutes (3 hours).

Passing Score: To pass the exam, you must achieve a minimum score of 700 out of 1000.

Exam Format: The test is conducted online and may include various question types such as multiple-choice, scenario-based, and interactive questions.

Course Outline:

1. Implementing and Managing Hybrid Networking:
- Configuring Azure Virtual Networks
- Implementing hybrid connectivity with Azure ExpressRoute
- Configuring hybrid network security

2. Implementing and Managing Azure Active Directory:
- Integrating on-premises Active Directory with Azure AD
- Implementing Azure AD Connect
- Managing Azure AD identities and access

3. Implementing and Managing Hybrid Identity:
- Configuring Azure AD Connect for hybrid identity
- Implementing Azure AD Connect Health
- Implementing Azure Multi-Factor Authentication

4. Implementing and Managing Azure Backup and Site Recovery:
- Implementing Azure Backup for hybrid workloads
- Configuring Azure Site Recovery for hybrid disaster recovery
- Monitoring and managing backup and recovery operations

5. Implementing and Managing Hybrid Virtual Machines:
- Deploying and managing Azure virtual machines
- Configuring Azure VM networking and storage
- Managing hybrid VM connectivity and operations

6. Implementing and Managing Azure Governance and Security:
- Implementing Azure Policy for hybrid infrastructure
- Configuring Azure Security Center for hybrid security
- Monitoring and managing hybrid governance and compliance

Exam Objectives:

1. Implement and manage hybrid networking solutions.
2. Integrate and manage Azure Active Directory.
3. Implement and manage hybrid identity solutions.
4. Implement and manage Azure backup and site recovery.
5. Deploy and manage hybrid virtual machines.
6. Implement and manage Azure governance and security.

Exam Syllabus:

The test syllabus covers the following topics:

1. Implementing and Managing Hybrid Networking
- Azure Virtual Networks configuration
- Azure ExpressRoute for hybrid connectivity
- Hybrid network security configuration

2. Implementing and Managing Azure Active Directory
- Integration of on-premises Active Directory with Azure AD
- Azure AD Connect implementation
- Azure AD identity and access management

3. Implementing and Managing Hybrid Identity
- Azure AD Connect configuration for hybrid identity
- Azure AD Connect Health implementation
- Azure Multi-Factor Authentication implementation

4. Implementing and Managing Azure Backup and Site Recovery
- Azure Backup implementation for hybrid workloads
- Azure Site Recovery configuration for hybrid disaster recovery
- Monitoring and management of backup and recovery operations

5. Implementing and Managing Hybrid Virtual Machines
- Deployment and management of Azure virtual machines
- Azure VM networking and storage configuration
- Hybrid VM connectivity and operational management

6. Implementing and Managing Azure Governance and Security
- Azure Policy implementation for hybrid infrastructure
- Azure Security Center configuration for hybrid security
- Monitoring and management of hybrid governance and compliance

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Microsoft Windows Practice Questions


Google, Microsoft Online Apps Raise Security Questions

Google's hosted application suite Microsoft Office Live,

But like the traditional desktop environment, Web applications have security problems. Last week, more than 60 new Web application vulnerabilities were found, according to the SANS Institute's latest @RISK bulletin. Compare that to the number of vulnerabilities found last week in Windows (2), Mac OS (2), and Linux (3), Internet Explorer (2), third party Windows apps (9), or cross-platform apps (16).

"Web applications tend to be written less tightly than other applications," says Alan Paller, director of research for computer security organization at the SANS Institute, though he notes that Google's code review process is probably more rigorous than that of an average online startup. Google's apps are not among those listed in @RISK as being vulnerable.

Douglas Merrill, VP of engineering at Google, acknowledges that the programming methodology for Web apps isn't as mature as the desktop application programming model. "Anytime you have a new piece of technology, you will find more problems with it," he says.

But Merrill also says that the SANS Institute's figures don't exactly represent an apples-to-apples comparison because they don't take into account the amount of time the software has been available. "After something has been out a while, that means you shouldn't be finding as many holes in it because you've found all the early ones," he explains.

Merrill stresses that Google takes security very seriously, both to protect its users and to keep its intellectual property and internal systems—Google's secret sauce, so to speak—safe. In contrast to having a centralized security group review code before it's released, Google uses what Merrill describes as distributed system that enlists every engineer to make programs more secure. That means training every software engineer and Q&A engineer to look for security problems and to practice secure coding, and using common libraries that help avoid common security problems. It also means that code gets reviewed by another engineer whenever it gets checked in, and again during design, implementation, and launch.

"Everyone in the company feels accountability for building secure product because at the end of the day their users are what matters," Merrill says. "And providing good security is good for their users." Many companies make similar claims, though unlike a lot of Web startups, Google has the resources to practice what it preaches.

Microsoft also has considerable resources and since 2002 has been making a concerted effort to Improve the security of its applications. It has made many accurate security-related acquisitions and hires. Earlier this month, it hired former McAfee virus researcher Vincent Gullotto to serve as Microsoft's general manager of Security Research and Response.

Businesses, of course, worry about security at least as much as software vendors. Matt Glotzbach, head of enterprise products at Google, says people in his group regularly discuss security with business customers.

Among some corporate IT executives, Google's message that online apps aren't necessarily less secure than desktop ones appears to have been heard. Brad Friedman, VP of IT for retailer Burlington Coat Factory, uses Star/Open Office at more than 360 retail locations and says that the security issues for Web-based apps are similar to desktop programs, though different risk mitigation methodologies may be required.

"I would be no more or less likely to consider a Web application like Google's Writely over say Microsoft Word," Friedman writes via e-mail. "The point is that both need to employ a certain level of security surrounding the application that would make it 'less vulnerable.'"

As an example, Friedman observes that Microsoft Word in a desktop environment may be capable of executing macros. "One can turn off macros as a security measure but the prudent backup measure is virus protection on the desktop," he writes. "If it gets past the desktop, enterprise-level protection is the next level that should be enforced. The situation is no different for a Web-based application; it just may have different levels of exposure that need to be taken in consideration."

Others, like Kevin Jaffe, director of corporate systems for Priceline.com, take a more cautious approach even while acknowledging that the software-as-a-service model represents the future. "Our culture from the beginning has always been let somebody else jump out there first," he says.

With Web applications, "you don't have the same concentric circles of deterrent," says Jaffe. "We're not so concerned about, say, certain vulnerabilities within certain Microsoft applications because there're three or four levels of security around this company that you've got to get through to begin with."

And Jaffe believes Web applications are potentially more vulnerable because specialized, application-specific knowledge isn't as necessary. "When you start dealing with Web-based applications, you've lowered the common denominator for the typical hacker," he says.

While there's no such thing as perfect security, companies have to determine for themselves whether the possible benefits of online applications outweigh the risks.

"The advantage of Web apps is they're far easier to patch," says Merrill. "When a problem is in fact found, trying to fix it is never trivial. But it's much simpler to patch a server than it is to patch some large number of clients distributed across some large number of networks."

Paller concurs. "One huge positive is that the patching is going on in real-time," he says, "whereas most of us aren't doing that." And because patching can be such an onerous chore, he believes that many organizations will contemplate ditching PCs altogether in favor of applications delivered through a thin client. Pointing to Citrix Systems' network application delivery platform, he says, "The security guys seem to be supportive of it."

Jaffe contends that the ease of patch management online isn't that significant to organizations like his that have a patch management system in place, but he nonetheless believes that online apps represent the future. "Our feeling is that things will definitely be going in that direction as an industry because it's just easier to support," he says. "And in terms of performance, a lot of the industry is making a push for going back to a terminal-type setup on the desktop."

That may have something to do with why last week Microsoft and Citrix expanded their existing partnership to announce a new joint marketing and development plan.

That's not to say that online apps are any ensure of secure computing. As the popularity of the software-as-a-service model grows, so too will its problems. Paller predicts an increase in Web apps attacks that attempt to exploit the protocols used by online apps, rather than exploiting holes in the applications themselves, by "piggybacking" on data sent from the Web app to the browser-based client.

But because the desktop model really isn't any better, and is in some ways worse, Paller predicts businesses will overcome their reservations about hosted software. "Security will drive people to centralized applications," he says.

Microsoft's Copilot AI Can Now Compose Songs, Complete With Lyrics

Composing music usually takes years of practice, study, and mastery of theory. But the barrier to entry is getting lower all the time. Following on the heels of Google's AI music generator, Microsoft is rolling out a Copilot AI feature to create songs, complete with written lyrics and singing.

One of the oft-spoken fears about the current AI revolution is that Artificial Intelligence might replace high-skill jobs in creative fields. That concept may have seemed impossible a year ago, but things have changed rapidly. Take music, which is a complex thing to create. Earlier this year, Google rolled out a test AI that can compose short, simple music from a written prompt. The results weren't anything to write home about, especially given the 30-second limitation, but they were still impressive, considering how quickly it worked.

Now, Microsoft is showing off a similar tool. The company is working with Suno, an AI company focusing on music generation. Suno now exists as a plugin for Copilot's online interface, though for the moment, it's limited to the Edge browser. You can head to Copilot, turn on the Suno plugin, and describe a song you'd like to create. You can even obtain the music or share links directly to the results, as we've done below.

We tried it, and in about 10 seconds flat, Copilot created a 47-second song with written lyrics and a voice singing them. The voice itself is somewhat clear, but you may have trouble understanding some of the singing unless you're reading the lyrics as you listen. Copilot says you can specify song lengths using "long, longer, or longest" in the prompt. They generated a 60-second song with that last option. Oddly, the AI had a suggested prompt to ask questions about the AI songs, like what instruments it used, but then refused to answer.

Microsoft's blog post also didn't answer several important questions. Suno's AI service is available separately and has both free and subscription options. But Suno states in its FAQ that you can only use generated songs commercially on a paid account. Microsoft's blog doesn't mention anything about commercial rights. When they asked Copilot, it provided a somewhat confusing answer:

That's a good question. The songs that I create for you using my internal tools are for personal and non-commercial use only. You cannot use them for any commercial purposes, such as selling, licensing, or monetizing them. ?

Exactly who owns the copyright is always a question with AI-generated content. Suno claims it owns the copyright for any generated content on free accounts, and you own it if you subscribe. But here, Copilot suggests you should "obtain the proper rights and permissions from the original creators...of the songs," when in theory it created the song.

Most AI is trained on existing content, often without creator permission, which has led to questions of copyright and several lawsuits. Google and Microsoft have promised to shield users from such lawsuits. But, it may be best to tread carefully before selling any Copilot-created music.

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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 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.


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:


  • 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


  • 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