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 : COH-150
Exam Name : Cohesity Certified Protection Associate - MultiCloud (COH150)
Vendor Name : COHESITY
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COH-150 test Format | COH-150 Course Contents | COH-150 Course Outline | COH-150 test Syllabus | COH-150 test Objectives
Exam Code: COH150
Speciality: Specialty Cohesity Certified Protection Associate - Multicloud
Exam Name: Cohesity Certified Protection Associate - Multicloud
Exam Duration: 90 minutes
Expiration: 2 years
Language: English
Passing Score: 58%
Domain 1: Cohesity Cloud Concepts (21.67%)
- Describe the supported delivery models for the Cohesity platform (e.g.- on-premises- cloud-native).
- Identify Cohesity cloud solutions (e.g.- CloudArchive- CloudTier- CloudSpin).
- Describe the use cases for Cohesity cloud solutions (e.g.- DR- cost optimization).
- Identify native Cohesity cloud features (e.g.- integration with AWS- Azure- GCP).
- Identify the difference between archiving and tiering with Cohesity.
- Describe cloning and moving VMs to the public cloud using CloudSpin.
- Identify cloud-based disaster recovery features.
- Describe the use cases for CloudArchive.
Key Terminologies:
- Delivery models (e.g.- Virtual Edition- Cloud Edition)
- cloud solutions (e.g.- CloudArchive for long-term retention- CloudTier for cold data offload)
- archiving (permanent offload for compliance)
- tiering (temporary offload for performance/cost)
- CloudSpin (VM migration/cloning to cloud)
- disaster recovery (DR- failover to cloud)
Domain 2: Archiving with Cohesity (20%)
- Describe how Cohesitys archive function can support disaster recovery.
- Identify the workflows used when working with CloudArchive (e.g.- policy setup- target selection).
- Describe the options for CloudArchive External Targets (e.g.- AWS S3- Azure Blob).
- Describe the recovery options available for organizations that use CloudArchive (e.g.- full/granular restore).
- Describe the disaster recovery process using CloudRetrieve.
- Identify CloudArchive Direct configuration options (e.g.- direct-to-cloud archiving).
Key Terminologies:
- CloudArchive (archiving service to external targets)
- workflows (step-by-step processes)
- External Targets (storage destinations like public clouds)
- CloudRetrieve (search/recovery from archived data)
- CloudArchive Direct (bypassing local storage)
Domain 3: Tiering with Cohesity (10%)
- Describe the benefits of tiering to the cloud using CloudTier (e.g.- cost savings- scalability).
- Describe CloudTier configuration options (e.g.- thresholds for data movement).
- Describe how to configure an external target for CloudTier.
- Identify the workflows used when working with CloudTier.
- Describe the options available for CloudTier (e.g.- encryption- compression).
Key Terminologies:
- CloudTier (automated data movement to cloud)
- configuration options (e.g.- age-based policies)
- external target (cloud storage for tiered data)
Domain 4: Cloud-native Backups with Cohesity (15%)
- Describe how to configure Cohesity for native operation in AWS- Azure- or GCP (e.g.- instance setup).
- Describe how networking with Cohesity running native in the cloud is different than on-premises (e.g.- VPCs- security groups).
- Identify supported cloud-native backup operations (e.g.- snapshot management- app protection).
Key Terminologies:
- Native operation (running Cohesity directly in cloud)
- networking (cloud-specific configs like subnets)
- cloud-native backup (protecting cloud workloads)
Domain 5: Cloud Migration with Cohesity (8.33%)
- Identify the use cases for moving VMs to and from the public cloud using CloudSpin (e.g.- DR testing- migration).
- Describe CloudSpin configuration operations (e.g.- policy setup).
- Describe how to perform a CloudSpin operation.
- Describe how to use the dev/test clone feature using CloudSpin.
Key Terminologies:
- CloudSpin (as above)
- configuration operations (setup steps)
- dev/test clone (non-prod VM copies in cloud)
Domain 6: Deployment Considerations (25%)
- Describe different types of cloud storage supported by CloudArchive (e.g.- standard- glacier).
- Deployment prerequisites for configuring CloudArchive with public cloud providers (e.g.- IAM roles).
- Identify requirements for deploying and running Cohesity natively in public cloud providers such as AWS- Azure- and GCP (e.g.- instance types).
- Identify the additional features that are available when you have deployed the Cohesity platform both on-premises and in the cloud (e.g.- hybrid replication).
- Identify the registration requirements for cloud sources (e.g.- API keys).
- Identify the SaaS applications that can be protected using the Cohesity platform (e.g.- Microsoft 365- Salesforce).
Key Terminologies:
- Cloud storage types (e.g.- S3 Standard- Azure Cool)
- deployment prerequisites (e.g.- permissions)
- hybrid deployment (on-prem + cloud)
- registration requirements (e.g.- credentials)
- SaaS applications (cloud-based apps for protection)
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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
