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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Foundation donates books

A non-governmental organisation, Leadership Etiquette Empowerment Development Foundation, has donated writing materials, including books, to over 100 pupils of Hope Vision School,  Bariga, Lagos State.

The pupils were also treated to snacks and drinks during the visit of the NGO to the school.

The Chief Executive Officer of the foundation, Benson Folarin, while addressing the pupils on the topic, “I stand out,” encouraged them to face their studies and look beyond all limitations, while the team also enlightened them on etiquette and words of affirmation.

Folarin said, “Our vision at LEED foundation is to build a new set of leaders with integrity, that are ethically groomed and it’s always good to get them early from the formative ages.

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“We have come here with dozens of writing materials, snacks, and drinks to celebrate with the children. And it’s a lot of joy looking at the excitement coming from them.

“I believe the future belongs to these ones, there is nothing that they cannot achieve. The fact that they are here doesn’t mean that they can’t be somewhere better tomorrow. They should follow their dreams irrespective of their limitation.”

The founder of the charity school, Patricia Ajenifuja, appreciated the foundation for the gesture.

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Bucks Host Book Blast

1 / 12The Bucks hosted over 900 Milwaukee grade-school students at the BMO Harris Bradley Center for an afternoon of practicing and entertainment at the 17th annual Bucks and Sam’s Hope Literacy Foundation Book Blast. As part of the event, children selected a brand new book – donated by Sam’s Hope Literacy Foundation and their book partners, Scholastic Book Fairs, New Threads of Hope and UPS Stores/Toys for Tots Literacy Program – to take home for their own personal library.

Foundation season 3: everything they know about the Apple TV Plus show's return

Foundation season 3: key information

- Officially confirmed in early December- Filming reportedly began in May 2023- Principal photography likely started up again after actors strike ended- No trailer available yet- Key cast members likely to return- Should pick up 150 years after season 2 finale- No confirmed plot details- Likely to draw from Isaac Asimov's 'Foundation and Empire' and 'Second Foundation' books- Could set up a fourth season

It's official: Foundation season 3 is on the way. Apple has confirmed its hit sci-fi series will return for another outing, laying to rest any concerns that it might be the latest show to be unceremoniously cancelled in 2023.

And, to be frank, it deserves it. Foundation is one of the best Apple TV Plus shows around, so it would've been a travesty if the live-action adaptation of Isaac Asimov's seminal book series had been dumped after two seasons, so we're pleased to see it'll be back for more galactic drama and action in the near future.

While they wait for the hit Apple TV Plus series to return to their screens, you'll want to read up on what they know so far. In this guide, you'll find more details on its most important elements, including release date speculation, likely cast, plot threads that need addressing, and more.

Full spoilers follow for Foundation season 2. Possible spoilers for Foundation season 3 and Asimov's novels are also on the way.

Foundation season 3 release date speculation

Salvor, Hari, and Gaal stare out of a spaceship's cockpit into space in Foundation season 2

"Let's check the internet for news on Foundation season 3..." (Image credit: Apple TV Plus)

It doesn't have a launch date, but Foundation season 3 was confirmed to be in the works by Apple in early December.

Speaking exclusively to TechRadar in June, showrunner David S Goyer and some of the cast had declined to comment on speculation about Foundation season 3's rumored renewal. However, The Prague Reporter later suggested principal photography started in late May, with an initial late 2023 date set for filming to wrap. With the Hollywood strikes almost certainly impacting its shooting schedule, Foundation season 3 is likely to continue filming through the early part of 2024. 

Unfortunately, that doesn't mean it'll be with us before next year ends. Speaking in a behind-the-scenes featurette on Apple TV Plus' YouTube channel, Goyer said one season takes two years to make before it's ready for release. If season 3 follows that production blueprint, it won't arrive until early 2025. That's because, in Goyer's words, post-production takes a whole year to complete so, even if filming wraps early next year, it culd be another 12 months before season 3 launches.

Foundation season 3 cast speculation

Brother Day and Queen Sareth stand side by side in Foundation season 2

Cassian Bilton's Brother Dawn will return, but Ella Rae Smith's Queen Sareth might not. (Image credit: Apple TV Plus)

Major spoilers are incoming for Foundation season 2.

Here's who they expect to see as part of Foundation season 3's cast:

  • Jared Harris as Hari Seldon
  • Lee Pace as Brother Day
  • Lou Llobell as Gaal Dornick
  • Laura Birn as Demerzel
  • Cassian Bilton as Brother Dawn
  • Terrence Mann as Brother Dusk
  • Michael Persbrandt as The Mule
  • The first six actors have played major roles in Foundation so far, so they'll definitely be back. Persbrandt's The Mule made brief cameo appearances in season 2, but he's expected to be one of season 3's villains, meaning he'll have a bigger role to play next time.

    Other season 2 characters could feature next time out, including Ella Rae Smith's Queen Sareth, Isabella Laughland's Brother Constant, Kulvinder Ghir as Poly Verisof, Oliver Chris as Director Sermak, and Dino Fleischer as Glawyn Curr. 

    However, as they noted in their Foundation season 2 ending explained article, a third season will likely be set 150 years in the future. If the series features another big time jump, none of these characters are likely to be alive. Well, unless the Vault – the giant 4D structure they're housed in – affects the flow of time within its walls, meaning they could age more slowly or not at all.

    Salvor Hardin looks shocked as she walks through a cave in Foundation season 2

    Leah Harvey's Salvor Hardin died in the season 2 finale. (Image credit: Apple TV Plus)

    One major character who definitely won't be back is Leah Harvey's Salvor Hardin. After playing a vital role in Foundation's first two seasons, Salvor sacrificed herself to save Gaal in season 2's final episode, aka 'Creation Myths'. Foundation's universe has the potential to bring people back from the dead – we're looking at you, Hari – but, considering Salvor was cremated, she's officially dead and gone. Harvey confirmed her time with Foundation was over in early November.

    Other season 2 characters killed off in the final two episodes were Ben Daniels' General Bel Riose, Dimitri Leonidas' Hober Mallow, Rachel House's Tellem Bond, and Sandra Yi Sencindiver's Enjoiner Rue, so don't expect this quartet to return, either.

    Lastly, they can expect new characters to debut next season. In a statement released alongside season 3's announcement, Goyer teased the arrival of "fan-favorites Bayta, Toran, Ebling, and Magnifico Giganticus". Expect cast announcements for this quartet to be made in due course.

    Foundation season 3 plot speculation

    Demerzel and an injured Brother Day stand in the ruins of a destroyed building in Foundation season 2

    Demerzel and the newly decanted Brother Day have got a lot to contend with in season 3. (Image credit: Apple TV Plus)

    Understandably, plot details are thin on the ground – and that'll remain the case until Apple says so.

    For now, they can only speculate on what might happen in Foundation season 3. Their aforementioned season 2 ending explainer takes a look at the possible storylines and subplots that could make up its successor's narrative, so read that article for more on what the season 2 finale might have set up.

    If you don't want to click away from this page, though, we'll supply you an in-depth breakdown below. Full spoilers for Foundation season 2 ahead.

    Eto Demerzel stands in a grand room with her hands clasped in Foundation season 2

    In season 2 episode 9, they learned more about Demerzel's backstory, and how she's the Empire's shadow ruler. (Image credit: Apple TV Plus)

    Let's start with the Galactic Empire. Season 2's incarnations of its three Emperors – Dawn, Day, and Dusk, all clones of Cleon I – are no longer sitting on the throne (or thrones, if you will). Day suffocated in space, Dusk was killed by Demerzel, and Dawn fled with Queen Sareth after Demerzel threatened to execute Sareth for her alleged role in the failed assassination attempt on Day in the season 2 premiere.

    However, it was Demerzel who hired the Blind Angels to make an attempt on Day's life. Day wanted to marry Sareth and father his own children, which would've ended the Cleonic dynasty. This plan went against the directives Cleon I gave Demerzel – remember, she's a robot – centuries earlier, which included maintaining that blood line. Long story short: Demerzel planned to set up Sareth as Day's would-be murderer and execute her to preserve the status quo.

    With season 2's Emperors deceased or on the run, Demerzel has been forced to decant new versions of all three clones – something she's never had to do before. It's unclear what short-term impact this'll have on the Empire, but, with the unflappable Demerzel to guide them, the new clones should be up and running in no time. That said, given season 3 may be set over a century later, we'll see new iterations of all three Emperors next time out, not the ones glimpsed in season 2's penultimate scene.

    Read their exclusive Foundation season 2 coverage

    That's not the only wildcard Demerzel has at her disposal. In season 2 episode 9, 'Long Ago, Not Far Away', the Vault-based version of Hari Seldon – you didn't forget there were two of him, did you? – tried to show Demerzel how to operate the Prime Radiant. Essentially a data storage device, the Prime Radiant contains all of Hari's psychohistory-based math, which is being used to help guide humanity through its darkest age yet.

    The Prime Radiant also exists in a state of supposition, meaning it can be in two places at any given time. That means the living Hari (the one working with Gaal) also possesses one. Now, the other is, unfortunately, in Demerzel's hands. Once she can read Hari's math, she'll be able to manipulate it and attempt to stop Hari, Gaal, and the Foundation from bringing down the Empire.

    Brother Constant stares at someone over her shoulder in Foundation season 2

    Brother Constant is alive and well, thanks to the Vault. (Image credit: Apple TV Plus)

    Speaking of the Vault, 'Creation Myths' revealed that the mysterious 4D structure survived the destruction of Terminus. Not only that, it sheltered the world's population – i.e. those involved in the titular Foundation – from their planet's annihilation at the Empire's hands. The Vault-based Hari explained as much when the Vault picked up Brother Constant, who was the sole survivor of the Empire's Shining Destiny warship's own demolition. We're unsure when we'll see the Vault again, but they expect it to continue playing a big role in Foundation's overarching plot.

    The survival of Terminus' Foundation will surprise the Galactic Empire, but that's not the only thing it'll have to contend with. 

    For starters, Dawn and Sareth's absconsion is a worrying prospect – Sareth is pregnant with Dawn's child, meaning their firstborn has a claim to the Empire's throne. With Foundation season 3 expected to jump ahead 150 years, it's more likely we'll see the child's next of kin make a play for the royal seat if this particular narrative is part of Goyer's wider plan for the series. In the second half of 'Foundation and Empire', the second novel in Asismov's Foundation book trilogy, the Empire is engulfed by civil war. This plot point could be adapted for a showdown between Dawn and Sareth's bloodline and the Cleonic dynasty.

    Elsewhere, Gaal and Hari's successful recruitment of the Mentalics, a race with psychic abilities, means the Foundation is stronger than ever. Add the Mentalics to the Foundation's seven planetary bodies, plus the Empire losing the ability to hyperjump – the genetically engineered Spacers are no longer enslaved by them – and the playing field looks much more level than it did in Foundation's first episode.

    The Mule walks towards an off-screen Gaal in a destroyed building in Foundation season 2

    The Mule will surely be one of season 3's primary antagonists. (Image credit: Apple TV Plus)

    Hari, Gaal, and company shouldn't expect to walk all over the Empire now, however. As well as the tyrannical leaders' continuing grip on the galaxy, the future emergence of The Mule – a powerful Mentalic who begins conquering worlds in Asmiov's book series – could supply rise to the Third Seldon Crisis. 

    These crises are fixed points in humanity's existence that determine whether the Foundation succeeds or fails. So far, the Foundation has navigated two potential calamities: surviving in the galaxy's outer reaches and bypassing a full-blown war with the Empire. 

    The Mule, though, looks like he'll pose the biggest threat – and that's saying something – to the Foundation's existence yet. To combat him, Gaal and Hari have entered cryosleep on the Mentalics' sanctuary of Ignis. That way, they can be reawakened when The Mule shows up and help lead the fight against him. The rest of the Mentalics will hone their abilities and learn about psychohistory in the interim 150-year period so they're ready to battle The Mule and his forces when the time comes.

    Foundation season 3 trailer: is there one?

    A close up of a concerned Hari Seldon sitting down in Foundation season 2

    That face when you realize a season 3 trailer won't be available for a long time... (Image credit: Apple TV Plus)

    Unsurprisingly, no. Once a Foundation season 3 teaser is released, we'll update this section.

    Will Foundation season 3 get a follow-up season?

    Poly Verisof delivers an elaborate sermon in Foundation season 2

    We wonder if Poly can conjure up a fourth season of Foundation for us. (Image credit: Apple TV Plus)

    If Foundation season 3 is received as well as its predecessors, Apple would be foolish not to renew it for a fourth outing. By the time season 3 ends, the show would've only covered the first two main novels – 'Foundation' and 'Foundation & Empire' – plus the first half of the third installment, 'Second Foundation', in Asimov's book series. There are two prequel novels and two sequel books that expand on Foundation's unique universe, too, so there's plenty more ground for the TV series to cover.

    Ahead of the first season's launch, Goyer (per Decider) revealed he had given Apple an eight-season outline for Foundation's TV adaptation. The show has deviated somewhat from the story told in Asimov's books so, alongside adapting parts from the wider source material, Goyer and company could tell a more complete narrative in the seasons to come.

    As long as Foundation continues to draw in a big enough audience to justify its financial outlay, Apple should continue to bankroll its development. So, after Foundation season 3, we'd expect to see Goyer achieve his aim of delivering another five seasons' worth of prestige sci-fi television for us to escape into.

    For more Apple TV Plus-based coverage, read their Apple TV Plus review, their guide on the best Apple TV Plus movies, or everything they know about Severance season 2.

    Today's best Apple TV Plus deals


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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