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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Top 10 World Changing Negotiations For 2024

A deal is (almost) always possible - US President Bill Clinton (C) stands between PLO leader Yasser ... [+] Arafat (R) and Israeli Prime Minister Yitzahk Rabin (L) as they shake hands for the first time, on September 13, 1993 at the White House in Washington DC, after signing the historic Israel-PLO Oslo Accords on Palestinian autonomy in the occupied territories. (Photo by J. DAVID AKE)

AFP via Getty Images

The global economy is in turmoil. The war in Ukraine, the COVID pandemic, the Israel-Hamas conflict, and other factors have created a maelstrom of economic uncertainty.

There is a growing sense of dissatisfaction with the current international order. Concerned citizens around the world are questioning the legitimacy of institutions like the United Nations and the World Health Organization.

These factors are creating a unique opportunity for countries to leverage the power of negotiation to address the challenges facing their planet. Effective and strategic negotiations would help us create a more stable and prosperous future for all.

Here are 10 of the most crucial negotiations that will shape the world in 2024.

NEW YORK, NEW YORK - OCTOBER 16: Salesforce Founder & Co-CEO Marc Benioff with host Maria Bartiromo ... [+] as he visits "Mornings With Maria" at Fox Business Network Studios on October 16, 2019 in New York City. (Photo by Roy Rochlin)

Getty Images

10. Amazon AMZN and Salesforce CRM : The (Probable) Business Deal of the Year

Rumors say Amazon Web Services (AWS) and Salesforce have been in merger talks for several months. If it happened, it would combine two of the largest and most successful tech companies in the world.

Amazon would have a dominant position in the cloud computing and CRM (customer relationship management) markets. Amazon's cloud computing capabilities could also be integrated with Salesforce's CRM software to create a more comprehensive and powerful suite of business applications.

On the one hand, businesses would have access to top tier business tools. On the other hand, there would be virtually no competition. Those who could afford it would have a tremendous advantage over those who can’t.

The deal would help both companies diversify their businesses and reduce their reliance on a single market. For Amazon, Salesforce would provide a new revenue stream from the B2B market. For Salesforce, Amazon's cloud computing capabilities would provide it a competitive edge in the cloud market.

Antitrust regulators would certainly scrutinize any such plan over concern it would provide the combined company too much power. Furthermore, Amazon and Salesforce have very different cultures, and it may be difficult for the companies to integrate their operations smoothly. Complex negotiations among the companies, within the companies, and with regulators will be required. The potential benefits could be enormous for the two companies and their customers.

NUSA DUA, INDONESIA - NOVEMBER 16: In this handout image provided by German Government Press Office ... [+] (BPA), (L-R) US-President Joe Biden, German Chancellor Olaf Scholz, Spanish Prime Minister Pedro Sanchez, French President Emmanuel Macron, British Prime Minister Rishi Sunak, Spanish Foreign Minister José Manuel Albares Bueno, French Foreign Minister Catherine Colonna, Canadian Prime Minister Justin Trudeau and US Foreign Minister Antony Blinken (R) talk about the missile strike in Poland as the G20 meetings take place on November 16, 2022 in Nusa Dua, Indonesia. The G20 meetings are being held in Bali from November 15-16. (Photo by Hebestreit)

Bundesregierung via Getty Images

9. G20 Negotiations That Will Shape The World

The G20 (Group of 20) is an international forum for the world's 20 largest economies, accounting for approximately 85 % of global GDP and two-thirds of the world's population. Negotiations held there have direct consequences for the economic, environmental, and social well-being of a vast majority of the planet. The 2024 G20 summit will take place in Rio de Janeiro in November.

The ongoing war in Ukraine, rising inflation and interest rates, combined with debt crises in many countries will keep discussions on financial stability and crisis preparedness high on the agenda. latest disruptions in global food and energy supply chains highlight the need for international cooperation to ensure food security, especially for vulnerable populations. Trade policies and agricultural development are likely to be key discussion points.

Furthermore, the G20 is expected to discuss ways to harness the power of digitalization for economic growth while addressing issues like cybersecurity, data privacy, and the implications of artificial intelligence.

It would be laudable if the UN’s Sustainable Development Goals (SDG) would be re-negotiated. Bjorn Lomborg correctly pointed out their unrealistic nature and how to convert them to goals that would be relatively easily implementable and extremely efficient in addressing human suffering.

While the goals are laudable, there are always the same problems when it comes to negotiations between nations: Domestic political realities often hinder efficient collaboration. The ongoing geopolitical conflicts could further complicate progress on critical issues.

FILE - U.S. President Ronald Reagan, right, and Soviet leader Mikhail Gorbachev exchange pens at a ... [+] signing ceremony of the Intermediate Range Nuclear Forces Treaty in the White House East Room in Washington, D.C., on Dec. 8, 1987. Both countries pulled out of the treaty in 2019, blaming each other for violations. On Tuesday, Nov. 7, 2023, Russia pulled out of the Treaty of Conventional Armed Forces in Europe and NATO member countries froze their participation in the pact, which was aimed at preventing the massing forces at or near their mutual borders, raising fresh questions about the future of arms control agreements in Europe. (AP Photo/Bob Daugherty, File)

1987 AP

8. Arms Control: The Lost Race

The United States and Russia are the world's two largest nuclear powers, and they have a long history of arms control agreements. However, these agreements are under strain, and there is a risk that the two countries could enter a new arms race.

Anticipated challenges in arms control negotiations for 2024 encompass a spectrum of complex factors. Heightened global tensions among major powers, notably the United States, Russia, and China, may complicate efforts to reach agreements.

The rapid evolution of technology, including advancements in cyber warfare and autonomous weapons, poses a challenge in crafting treaties that effectively regulate these capabilities. The persistent concern of nuclear proliferation, either through the spread of weapons to additional states or regional tensions, remains a focal point.

Non-state actors, such as terrorist groups, add an additional layer of complexity, requiring negotiations to prevent weapons from falling into the wrong hands. Trust deficits among nations, historical disputes, and suspicions about intentions contribute to the difficulty of successful arms control negotiations. The intricacies of coordinating multilateral agreements involving diverse interests require adept diplomacy to strike a balance that addresses the concerns of all parties.

Moreover, the perennial challenge of verification and compliance mechanisms persists, demanding effective measures to ensure that nations uphold their commitments. In essence, the landscape of arms control negotiations in 2024 is shaped by a dynamic interplay of geopolitical, technological, and diplomatic factors.

SEATTLE, UNITED STATES: A masked protester joins an anti-World Trade Organization rally that ... [+] includes labor, environmental and farmer workers groups together 03 December, 1999. The 4-day WTO Summit wraps up business today. Photo by: MIKE NELSON

AFP via Getty Images

7. Negotiating a More Effective WTO

The World Trade Organization (WTO) is facing several obstacles in 2024 that could hinder its ability to promote economic growth and prosperity around the world.

Recent global tensions have led to a climate of distrust and there has been a surge in protectionism around the world, as countries have sought to protect their own industries from foreign competition. This has made it more difficult to reach deals on trade liberalization, as the WTO is a multilateral organization, relying on consensus among its member countries to reach decisions.

A particular problem is the increasing power of large technology companies, such as Meta, Alphabet, and Amazon. They have built quasi-monopolies and the WTO needs to find a way to address the power of these companies without jeopardizing free trade.

The main challenge, however, will be dealing with the general challenge in terms of legitimacy and relevance. The WTO has been criticized for being too focused on the interests of developed countries and for not doing enough to address the concerns of developing countries. This has led to a decline in support for the WTO among many of its members.

If the WTO is unable to address these challenges, it could risk becoming irrelevant in an increasingly interconnected global economy. Losing an institution focused on promoting global collaboration through negotiations would be a great loss for their world.

Pedestrians walk under a large video screen showing images of North Korea's leader Kim Jong Un ... [+] during a news update in Tokyo on October 4, 2022, after North Korea launched a missile early in the day which prompted an evacuation alert when it flew over northeastern Japan. - (Photo by Richard A. Brooks)

AFP via Getty Images

6. North Korean Nuclear Threat: Negotiating With A Devil

North Korea’s erratic antics threaten both regional and global security. The rogue nation continues to test nuclear weapons and has developed a range of missiles that could reach much of the United States. It is a serious and alarming issue.

Certainly, the US is working on resolving the issue vital for national security. However, the international community should quickly join the top-level negotiations to build a consensus on how to dampen the North Korean threat, even to draw the country closer to the world economic community and find ways to work towards common goals.

How can a win-win outcome be established? How can democratic nations negotiate with a tyrant? There lies the core of the problem which requires excellent negotiation skills.

It may be that positive and negative leverage can be used through a process of both tightening sanctions on the country and providing economic assistance.

One thing is certain: North Korea is a real and present threat to peace on Earth, and world leaders would do well to negotiate a strategy for helping the country’s people overcome their adversities.

President Biden issued the executive order directing his administration to create a new chief AI ... [+] officer, track companies developing the most powerful AI systems, adopt stronger privacy policies and "both deploy AI and guard against its possible bias," creating new safety guidelines and industry standards. (Photo by Chip Somodevilla)

Getty Images

5. AI Regulations: Making a Deal Before the Race is Over

The development of artificial intelligence (AI) has the potential to accelerate world progress, but it also poses serious risks. On the military end, for instance, not only does AI promise quicker responses and more accurate targeting, but it also amplifies the consequences of hasty or inaccurate decisions.

While the public may wonder whether AI will cause them to lose their jobs, business leaders are scurrying to leverage AI before their competitors do.

Meanwhile, politicians are busy creating regulations and guidelines for the responsible development and use of artificial intelligence. It includes addressing issues such as data privacy, algorithmic fairness, and the development of human-centered AI systems.

The EU has, as is often the case, been among the first to come up with specific regulations. That is a tall order. The challenge lies in managing the risks without hampering innovation.

There won’t be effective regulations unless they are decided on a global scale, e.g. by the G20. Industry leaders, big tech, and startups alike must be quick to meet political leaders to come up with win-win solutions before AI endeavors are being killed locally or just moved to countries without restrictions.

Ebrahim Raisi, Iran's president, speaks during the United Nations General Assembly (UNGA) in New ... [+] York, US, on Tuesday, Sept. 19, 2023. Photographer: Jeenah Moon

© 2023 Bloomberg Finance LP

4. The US-Iran Nuclear Deal: Mission Impossible

The fate of the 2015 Iran nuclear deal, formally known as the Joint Comprehensive Plan of Action (JCPOA), hangs in the balance in 2024. The Biden administration has made reviving the deal a priority, but it faces opposition both from Iran and from domestic critics.

The United States will need to tread carefully in its efforts to revive the JCPOA. It will need to address Iran's concerns about the Trump administration’s decision to withdraw from the deal, while also convincing its allies that the JCPOA is the best way to prevent Iran from developing nuclear weapons.

The Biden Administration must build a coalition of support for — one that includes not just America’s European allies but also countries like China and Russia. The Taiwan-China situation and the Russian war in Ukraine further complicate a possible deal. But the most pressing issue is Iran’s presumed involvement in the Hamas-led massacre of Israelis on October 7.

As a negotiation advisor, I am usually quick to provide advice but this is one of the most complicated scenarios I have ever observed and I can not even imagine a viable deal in the near future.

No, they are not pals. And yet, they do negotiate - In this pool photograph distributed by Russian ... [+] state agency Sputnik, Azerbaijan's President Ilham Aliyev (L) and Armenia's Prime Minister Nikol Pashinyan (R) visit the Catherine Palace in the Tsarskoe Selo Museum, outside Saint Petersburg, during CIS leaders meeting on December 26, 2023. (Photo by Vladimir SMIRNOV)

POOL/AFP via Getty Images

3. Armenia-Azerbaijan: On The Road To Peace

Armenia and Azerbaijan, embroiled in a longstanding conflict over Nagorno-Karabakh, face substantial negotiation challenges in their pursuit of peace. Despite a 2020 Russian-mediated agreement and subsequent peacekeeping, tensions escalated in 2022 with Azerbaijan's invasion of Armenian territory. The EU and US, attempting to mediate, were dismissed by Azerbaijan, claiming bias in favor of Armenia.

One of the unique challenges stems from the stark political differences between the two nations. Armenia, a democratic state, engages in negotiations with Azerbaijan, led by the authoritarian President Ilham Aliyev. This stark contrast in political systems adds complexity to the diplomatic landscape.

Key negotiation challenges include border disputes, with Armenia advocating for delineation using Soviet military maps, a proposal opposed by Azerbaijan. The political will for a peace treaty becomes a sticking point, as Azerbaijan insists on separating the border issue from the overall agreement. The Armenian opposition, wary of potential territorial concessions, emphasizes the importance of border delimitation before the prime minister signs, expressing concerns about giving in too easily.

The negotiations also grapple with the aftermath of a mass exodus, where over 100,000 people fled the conflict. Despite goodwill gestures, such as a prisoner exchange, and a rare bilateral meeting between leaders in St Petersburg on 26 December 2023, paving the way for an agreement, the complexity of drafting a peace agreement persists. Seven drafts have been exchanged, with the unresolved issue of linking Azerbaijan to its exclave of Nakhichevan, crucial for national security.

The negotiation process involves international recognition of Nagorno-Karabakh as Azerbaijani territory, further complicated by the geopolitical interests of Turkey, Russia, Iran, the US, and the EU in the strategically critical region. The draft agreement's principles focus on mutual respect, rejection of territorial claims, adherence to international law, and the opening of communication routes.

The negotiation challenges extend to the potential role of a bilateral commission and the unresolved issue of a land transportation link between Azerbaijan and Nakhichevan. With the peace process ongoing through the OSCE Minsk Group, the outlook remains uncertain, with the possibility of a breakthrough or stalling in 2024. Despite the complexities, there is a sense that both sides are ready to pursue peace, underscoring the intricate and challenging nature of the negotiations.

Palestinians carried belongings through the rubble-strewn streets of Gaza City on October 13, in ... [+] search of refuge as Israel's army warned residents to flee immediately before an expected ground offensive in retaliation against Hamas for the deadliest attack in Israeli history. (Photo by Mahmud HAMS)

AFP via Getty Images

2. Israel-Palestine: A Road From Terror And Destruction To Peace?

The Israeli-Hamas conflict is an ongoing source of instability in the Middle East, and there is little hope for a lasting peace agreement in the near term. The barbaric attacks of Hamas on Israeli civilians and Israel’s response, which many judged too harsh on the civil population, have broken any trust that previously existed between the two parties.

World leaders, however, are committed to restarting negotiations in full awareness that there is no easy solution. One of the primary sticking points is the status of Jerusalem. Both claim Jerusalem as their capital. This is a difficult issue to resolve, but it is an essential piece to the puzzle for any peace agreement.

Another challenge to peace is the presence of Israeli settlements in the West Bank. The settlements are illegal under international law — which Israel disputes — and are a recurrent theme in negotiations between the countries. The Palestinians want the settlements to be dismantled, while Israel is reluctant to do so.

Despite the challenges both sides have a shared interest in peace, and hope remains that the conflict can be resolved. The Abraham Accords, initiated by President Trump, were groundbreaking, as several Arab nations agreed to normalization of their relations with Israel in exchange for Israel taking further annexations of Palestinian territory off the table. So, negotiations are in fact possible. Third parties will be key, as those can use positive as well as negative leverage through procedures such as trade agreements and multinational investments.

If the international community can help to bring about a peace agreement between Israel and Hamas, it would be a major step forward for the region and the world.

The suffering has been going on for almost two years - A man holds a child as he flees the city of ... [+] Irpin, west of Kyiv, on March 7, 2022. (Photo by ARIS MESSINIS)

AFP via Getty Images

1. Russia-Ukraine War

The ongoing conflict between Russia and Ukraine exerted a devastating impact on the two countries and resulted in a major humanitarian crisis. Several governments imposed sanctions on Russia and provided military and humanitarian assistance to Ukraine.

The negotiations between Russia and Ukraine began before the start of the invasion in February 2022. The two sides have held numerous rounds of talks since, both in person and virtually, but so far have been unable to reach an agreement.

The key negotiation issues discussed include the following:

  • The status of Crimea: Ukraine is demanding the return of Crimea, which was annexed by Russia in 2014. Russia has said that Crimea is part of Russia and is not negotiable.
  • The status of Donbas: Ukraine is demanding that Russia withdraw its troops from the Donbas region, which is in eastern Ukraine. Russia says it will only withdraw its troops if Ukraine agrees to a neutral status and a demilitarized border.
  • Guarantees of security: Ukraine is demanding security guarantees from other countries and NATO to prevent Russia from invading again. Russia says it is not willing to provide Ukraine such guarantees.
  • The war in Ukraine could continue for many years to come. It could escalate into a wider conflict between Russia and NATO members, causing a major global crisis with potentially catastrophic consequences. Putin has the world’s largest nuclear arsenal. It’s not possible to triumph over a nation that has the ability to destroy the entire planet.

    German foreign secretary Baerbock blurting out that “We want Ukraine to win this war”, is actually displaying a misunderstanding of global conflicts: they are not football games. With the West’s focus on imposing sanctions on Russia and providing military and humanitarian assistance to Ukraine, it has lost the possibility to act as a mediator.

    But the international community must work to de-escalate the conflict and engage in diplomatic efforts to find a long-term solution for the two neighboring countries. Countries in Africa, the Middle East, and Asia haven’t taken sides. And they have already done what the West should have done right from the beginning: Addressing the root causes of the conflict, such as the expansion of NATO and Russia’s security concerns.

    India’s Prime Minister Modi talked to Ukrainian President Zelensky and Russian President Putin, stating that “India is ready to contribute to any peace efforts”. Indonesia outlined a very concrete Peace Plan in June. The decisive factor could be China, which appointed a Special Representative in April to facilitate a deal between the two parties through high-level shuttle diplomacy, moving back and forth between Kyiv and Moscow.

    Conflicts cannot be resolved through moral righteousness — at the negotiation table.

    There are certainly many more pressing issues to be negotiated, such as China’s annexation of Taiwan, which was just, for the first time, given a deadline: negotiations, such as the are many tensions at this point in time, such as Xi Jingping’s latest statement that they are inevitable.

    One would think that humankind would have by now clearly seen the futility of armed conflict and hatred. Deliberate and enthusiastic negotiations can pave the way for peace, and there is yet room on the planet for all people and every culture.

    Think of it this way: Intense conflict always requires a successful negotiation before it can end. Consequently, the focus of world leaders should be on wisely applying the principles of negotiation. The outcome of that strategy would be the prevention of wars, the easing of tensions, and the discovery of solutions to pressing human issues. There is much to learn and much at stake for us all in 2024.

    To become a world-class negotiator, follow me on LinkedIn, visit my website, and check out my book Convinced!: How to Prove Your Competence & Win People.

    AWS Announces More Model Choice and Powerful New Capabilities in Amazon Bedrock to Securely Build and Scale Generative AI Applications

    No result found, try new keyword!The latest models from Anthropic, Cohere, Meta, Stability AI, and Amazon expand customers’ choice of industry-leading models to support a variety of use cases Model Evaluation on Amazon Bedrock ...

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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