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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This DevOps-focused Intelligence platform incorporates more than a decade of knowledge to Excellerate time to value and boost customer satisfaction

CHICAGO, Dec. 13, 2023 /PRNewswire/ -- Copado, the leader in DevOps for enterprise SaaS, today announced the expansion of the beta program for CopadoGPT, its groundbreaking AI platform, to all Copado customers. This strategic move comes after months of internal use and validation by select customers, showcasing the platform's robust capabilities and significant value addition. CopadoGPT is not just an AI DevOps advisor, it's a cross-platform, DevOps intelligence layer with a decade of Salesforce expertise, designed to Excellerate time to value, increase customer satisfaction and accelerate digital transformation initiatives.

Copado, the leading DevOps platform enabling the world’s largest digital transformations in the cloud (PRNewsfoto/Copado)

In an industry where efficiency and innovation are paramount, CopadoGPT addresses critical pain points by offering expert advice on Copado usage and Salesforce DevOps best practices. It accelerates test generation for Copado Robotic Testing, enriches user stories, and generates comprehensive release notes. This expansion is a testament to Copado's commitment to driving customer success and digital transformation through AI-first strategies.

"Copado is an AI-first company with a focus on maximizing the customer experience. The expansion of CopadoGPT's beta access marks a significant milestone in their journey to embed AI deeply into the fabric of Salesforce DevOps. This AI DevOps advisor is not just a tool; it's a partner that enhances their customers' capabilities to innovate rapidly and with confidence," said Federico Larsen, Chief Technology Officer at Copado. "With dozens of use cases, CopadoGPT is changing the way people work. They are excited to embed a decade's worth of DevOps know-how into an AI platform and make it easily accessible for their customers."

"To ensure value and market fit, they made Copado customer zero for CopadoGPT," said Nick Cook, Vice President of Customer Success at Copado. "We found it is more than just an AI platform; it's a revolution in customer support and success. By providing precise, AI-driven insights and support, we're not only solving problems faster but also preempting them, ensuring a smoother, more efficient experience for all their users. As just one example, since they started using CopadoGPT on their support teams, we've realized a 25% improvement in the time required to resolve a case."

Story continues

CopadoGPT is the culmination of Copado's ten-year journey in Salesforce DevOps, now serving as the DevOps intelligence layer within the Copado DevOps platform. It's a testament to Copado's AI-first approach, establishing that AI-driven enhancements are leveraged internally to maximize customer value before general availability and ensuring that every product release is informed by real-world use and efficacy. CopadoGPT will continue to be leveraged and expanded to power new product capabilities on the roadmap to drive digital transformation forward.

"Generative AI TuringBots are improving software development and bringing a DevOps-specific product to market is a significant step forward for this industry," said Diego Lo Giudice, Vice President, Principal Analyst at Forrester. "Copado's approach of combining deep DevOps domain knowledge with the power of GenAI will enable SaaS development teams to significantly make their development and deployment processes much more productive."

Copado customers can sign up for the CopadoGPT beta with this form. To learn more, visit Copado in booth 5 at the Salesforce World Tour in New York City on December 14.

Follow Copado:LinkedIn: https://www.linkedin.com/company/copado-solutions-s.l/Twitter: https://twitter.com/CopadoSolutionsBlog: https://www.copado.com/devops-hub/blog

About CopadoCopado is the leading DevOps and AI-driven test automation platform for enterprise SaaS applications. Backed by Insight Partners and Salesforce Ventures, Copado helps development teams build end-to-end digital transformation for more than 1,200 global brands including Coca-Cola, Medtronic, T-Mobile and Volkswagen. Copado has a 4.99 star rating on the Salesforce AppExchange and is proven to drive 20X more frequent releases, 95% less downtime, 10X faster testing and 20% greater productivity. Each month, Copado processes 50 million DevOps transactions and upskills more than 80,000 tech professionals in the world's largest DevOps community. More information can be found at: http://www.copado.com.


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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