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 : DANB
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National Entry Level Dental Assistant (NELDA) certification

• Anatomy, Morphology and Physiology (AMP)

• Infection Control (ICE)

• Radiation Health and Safety (RHS)

Certified Dental Assistant (CDA) certification

• General Chairside Assisting (GC)

• Radiation Health and Safety (RHS)

• Infection Control (ICE)

Certified Orthodontic Assistant (COA) certification

• Orthodontic Assisting (OA)

• Infection Control (ICE)

Certified Preventive Functions Dental Assistant (CPFDA) certification

• Coronal Polishing (CP)

• Sealants (SE)

• Topical Fluoride (TF)

Certified Restorative Functions Dental Assistant (CRFDA) certification

• Impressions (IM)

• Sealants (SE)

• Temporaries (TMP)

• Restorative Functions (RF)

All DANB exam Outlines

• Anatomy, Morphology and Physiology (AMP)

• Coronal Polishing (CP)

• General Chairside Assisting (GC)

• Infection Control (ICE)

• Impressions (IM)

• Orthodontic Assisting (OA)

• Restorative Functions (RF)

• Radiation Health and Safety (RHS)

• Sealants (SE)

• Topical Fluoride (TF)

• Temporaries (TMP)

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    The basic training program can be failed. The risk is that you could lose everything--home, job, family, friends, etc.--and never return. Recruits who join the military each year suffer from this problem to the tune of about 15% of them. There are too many recruits who believe that basic training cannot fail.

    San Diego vs Parris Island: Who has the toughest Marine boot camp?

    Among Marines, there’s an internal battle over who had it worse at boot camp: recruits at Parris Island or recruits at San Diego.

    Stepping out onto yellow footprints, living meal to meal, and being called names highlighting your deepest insecurities are all part of Marine Corps recruits’ 13-week journey through Marine Corps Recruit Training.

    Recruits from the western side of the country report to Marine Corps Recruit Depot San Diego. Those from the other side do their training at Marine Corps Recruit Depot, Parris Island in South Carolina.

    Marines who graduate in San Diego are often called ‘West Coast Marines,’ or more derisively, ‘Hollywood Marines’ but, ironically, most movies and other media depictions of Marine boot camp are through the eyes of recruits at Parris Island. One of the most famous examples is the 1987 film, “Full Metal Jacket” which depicts Parris Island recruits undergoing constant abuse and hazing from a sadistic drill instructor, a reputation that the Marine Corps has worked hard to reverse. 

    In 2022, Task & Purpose interviewed Lance Cpl. Kylie Hathaway who had the unique experience of training at both boot camps. Hathaway began her recruit training at MCRD San Diego. She was two weeks away from graduating when she fractured the tibia bone in her leg. As she recovered, the Marines gave her two options: go home or finish her training in a  medical recovery unit for female recruits at Parris Island. She chose the latter.

    “I feel like San Diego pushes you more physically while Parris Island tries to push you more mentally,” she said.

    Trapped on an Island

    While MCRD San Diego is near the city’s airport and other military bases, Parris Island is isolated in the swampy South Carolina “low country” — a remoteness that puts many recruits off balance.  

    “I remember the drill instructor telling us if they wanted to leave the direction to go, but they have to get through like two miles of swamps and they’re filled with alligators,” said Tucker Gentry, 37, a former heavy equipment operator in the Marine Corps.

    Subscribe to Task & Purpose today. Get the latest military news and culture in your inbox daily.

    Gentry said that Parris Island’s remoteness made recruits feel as if drill instructors might get away with harsh behavioral and verbal taunting towards recruits. One night drill sergeants knocked over a trash can and made a recruit “eat out of it and squeal like a pig,” he said.

    “I’m sure it happens in San Diego,” he said. “But I just think that potentially some of the stuff that they were able to get away with in Paris Island is greater than San Diego.”

    The Crucible and the Reaper

    The final event at both bases is the Crucible – a last 54-hour field event filled with exhaustion, hunger, and physical stamina challenges. The Crucible was incorporated into recruit training by Gen. Charles Krulak in 1996 to train potential Marines around realistic combat training scenarios. Recruits are issued two and a half MREs to sustain them for the nearly sleepless two-and-a-half-day challenge.

    Marine boot camp U.S. Marine Corps recruits with Charlie Company, 1st Recruit Training Battalion, run up the final hill of the Reaper, a Crucible event, at Marine Corps Base Camp Pendleton, California, Nov. 21, 2023. The Reaper is the final portion of The Crucible which marks the transformation of recruits to Marines. (U.S. Marine Corps photo by Cpl. Alexander O. Devereux)

    The Crucibles are similar at Parris Island and San Diego, but not identical. At both bases, the Crucible culminates with a nine-mile march which begins in the middle of the night. The amount of gear recruits carry depends on the season. During the winter, their packs can weigh up to 75 lbs. For San Diego recruits, the hike involves scaling a 700-foot hill with a steep incline known as “the Reaper” at nearby Camp Pendleton.

    Master Sgt. Lael Rockwell, a motor transport maintenance chief who’s currently based at Camp Pendleton said the San Diego Crucible was rough and demanding.

    “You’re just go, go, go all the time,” Rockwell said. “It’s very physically and emotionally demanding and then you’ve got guys in your platoon that can’t carry their gear. I remember on one hike, I was carrying two rifles at one time. One of the recruits fell out so I grabbed his gear and was carrying it for him, that kind of stuff.” 

    Before the night march, recruits have eight other physically demanding exercises that involve resupply and combat assault missions, firing and reaction courses, night infiltration scenarios, pugil sticks, and body sparring activities.

    “You couldn’t build a fire. You couldn’t get warm. That sucked, like being cold just sucks,” he said. “For me, the crucible was in January. In California, it was super cold.”

    The weather and the sand fleas

    For Parris Island recruits, Gentry said, the colder the better.

    “If I could deliver anybody advice, I’d tell them to go in the wintertime,” Gentry said. “I don’t remember there being as many sand fleas in February and I don’t know if there’s any truth to that but they’re bad. It’s awful.”

    Gentry enlisted in the Marine Corps in 2006 and separated in the summer of 2014. training began as a recruit at Parris Island in February and he graduated in May. “That just is another level of humidity,” he said.

    Beyond the sand fleas, drill instructors would make recruits PT in the pits. Within minutes or even seconds, recruits would be caked in sand. 

    “If you’re not already sweating, you’re gonna be sweating and then because you’re in a sand pit, you’re then covered in sand that sticks to you,” Gentry said. “You come out looking like a sugar cookie.”

    Kate Mannion, 37, was a Marine Corps military police officer who went to boot camp in March 2008 when Parris Island was the only option for female Marine recruits. “I didn’t know anything about the military but I knew the Marines seemed like the biggest kick in the ass,” she said. She soon found out she was right.

    Recruits live meal to meal, she said. On the weekends, the chow hall served hamburgers and hot dogs. “That’s how they based their calendar,” Mannion said. “We knew that that was a Saturday.”

    While Mannion maintains that the so-called ‘Hollywood Marines’ had it easier with the pleasant weather in California, Rockwell said the two boot camps are just different. San Diego has hills, making it more physically challenging and Parris Island has the bugs and humidity, causing more mental strife, he said.

    “The Marine Corps has done a good job of making them equally as hard, just in a different way,” Rockwell said. “If you got dropped off in the desert and you had to survive or you got dropped off in the Alaskan tundra somewhere to survive – it would be hard either way but it’s just different.”

    Rockwell said he had an easier time at boot camp than a lot of his peers. He was injured during training which meant extra weeks at bootcamp spent in a medical unit. But the hardest thing, he said, was being away from his family with little to no contact. 

    “Physically, it was easy. But mentally, it was really hard,” he said. “I went to boot camp in October. So I missed Thanksgiving, Christmas, New Years, I missed all those holidays.”

    The latest on Task & Purpose

    Celebrity Boot Camp

    Celebrities (recruits) face the drill instructors from the 2001 series 'Boot Camp'. They undergo a week-long military training. In the end, two recruits face a series of tests and a voting, with which they win dogtags. The recruit with the most dogtags wins $50,000.


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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