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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EA Sports PGA Tour Developers Answer More Community Questions

No result found, try new keyword!The EA Sports PGA Tour developers answered some more community questions in their latest FAQ. It has a few additional details that weren’t discussed in their interview earlier this month.

Twitter (X) to get rid of the Block feature

Blocking 'makes no sense' to Elon Musk.

August 18, 2023 9:45 AM

Twitter

Elon Musk has made a series of head-scratching decisions since acquiring Twitter late last year (including rebranding it to X), but his latest might be a topper. This morning, Elon Musk announced that Twitter will soon get rid of the Block feature, with the exception of DMs.

Elon Musk shared the news in a reply to a tweet earlier today. In response to a post from Tesla Owners of Silicon Valley that asked about the meritable difference between muting and blocking on the platform, Musk stated “Block is going to be deleted as a “feature”, except for DMs.” In a subsequent tweet, he clarified his stance on the matters, stating that “It makes no sense.”

The two Elon Musk tweets quoted in the paragraph above.

The news quickly caused a stir among Twitter users, many of which pleaded to Musk to reconsider the decision. Many of them pointed out that Blocking can be useful for curtailing harassment and avoiding abusers. In response to a tweet criticizing the move to scrap Blocking, Musk suggested that people utilize the Mute feature instead. Muting will prevent you from seeing a person’s posts, but it doesn’t stop them from seeing, replying to, their quote tweeting yours.

Elon Musk neglected to share any additional details on his decision to get rid of Twitter’s Block feature — including when it will happen. With the amount of backlash he seems to be getting for the announcement, we’re curious to see if he reverses the decision, similar to what happened after he said that Light Mode would go away, and then users explained to him that some visually impaired people struggle to read white text on a dark background.

As they continue to follow the latest developments at Twitter (X), stick with Shacknews.

Donovan is a young journalist from Maryland, who likes to game. His oldest gaming memory is playing Pajama Sam on his mom's desktop during weekends. Pokémon Emerald, Halo 2, and the original Star Wars Battlefront 2 were some of the most influential titles in awakening his love for video games. After interning for Shacknews throughout college, Donovan graduated from Bowie State University in 2020 with a major in broadcast journalism and joined the team full-time. He is a huge Scream nerd and film fanatic that will talk with you about movies and games all day. You can follow him on twitter @Donimals_

Capcom Slashes Prices With New Steam Sale Celebrating End Of Summer

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Video games are expensive. I’m sure I don’t have to tell you that, but these latest-generation platforms also brought a price hike. Now new AAA video game titles will set you back $69.99 rather than the previous norm of $59.99. As a result, knowing when to pick up a new release and when to pass a game up is crucial. Fortunately, most games do drop in price if you are patient. If you can hold off, some video game titles can even be picked up with all the released expansion packs and DLC.

Of course, if you’re still looking for something to tie you over until that next day, one purchase or another title drops in price, then there are always discount sales. Sales are bountiful no matter what retailer or even digital marketplace you frequent. For instance, today, we’re finding out that Steam has a Capcom-highlighted sale going on right now. This discount sale will supply you up to 80% off on select video games. According to the sale, this is all about celebrating the end of summer. No one likes to see summer end as it means they will soon head into colder weather and schools start back up.

However, they have a sale to highlight as summer ends. This Steam sale might have quite a few notable games well worth the purchase. We’ll list down some of the games that you can pick up right now without breaking the bank. Hopefully, there’s something here to help tie you over until the next major video game title on your radar lands in the marketplace.

Mega Man 11 $9.89

Mega Man Legacy Collection $5.99

Okami HD $9.99

Capcom Beat Em Up Bundle $9.99

Remember Me $5.99

The Disney Afternoon Collection $4.99

Disney DuckTales Remastered $3.74

Bionic Commando $1.99

Of course, you’ll want to dive into the sale page to see if anything here piques your interest. Unfortunately, this sale doesn’t offer anything related to the Resident Evil franchise. But if you are after some Resident Evil games, then you’re still in luck. While not on Steam, there is another sale that is all about discounting the Resident Evil games on the PC platform.

Through Humble Bundle, you can find the Resident Evil Decades of Horror Village Edition Game Bundle. This bundle will supply you access to all kinds of Resident Evil games for just $35. You can find the bundle right here, along with the games featured below.

Resident Evil Village

Resident Evil 3

Resident Evil 2

Resident Evil 7

Resident Evil 6

Resident Evil 5 Gold Edition

Resident Evil 4 (2005)

Resident Evil 0

Resident Evil Revelations 2 Deluxe Edition

Resident Evil

Resident Evil Revelations

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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