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 : DBS-C01
Exam Name : AWS Certified Database - Specialty
Vendor Name : Amazon
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Roundtables and certification schemes in the Pan-Amazon

  • Mongabay has begun publishing a new edition of the book, “A Perfect Storm in the Amazon,” in short installments and in three languages: Spanish, English and Portuguese.
  • Author Timothy J. Killeen is an academic and expert who, since the 1980s, has studied the rainforests of Brazil and Bolivia, where he lived for more than 35 years.
  • Chronicling the efforts of nine Amazonian countries to curb deforestation, this edition provides an overview of the subjects most relevant to the conservation of the region’s biodiversity, ecosystem services and Indigenous cultures, as well as a description of the conventional and sustainable development models that are vying for space within the regional economy.
  • Click the “A Perfect Storm in the Amazon” link atop this page to see chapters 1-13 as they are published during 2023 and 2024.
  • Sustainability initiatives have been organised for most of the agricultural commodities of the Pan Amazon, including palm oil, soy and beef, but also for coffee and cacao. Several of these initiatives have adopted the term roundtable in their names because it conveys the notion of inclusiveness that is a core concept in these multi-stakeholder initiatives. Typically, the stakeholders include all the participants in a supply chain, from the farmer to the retailer, but also commodity traders, consumer goods manufacturers, banks and service supplies, as well as civil society groups.

    Their shared goal is to identify effective solutions to the social and environmental challenges associated with conventional production systems. The mechanism used to reform supply chains is typically a voluntary certification system that verifies that the production, trade and transformation of a commodity has complied with a set of best practices that have been agreed to by all the parties. The search for consensus is important, because it means all of the stakeholders have agreed to accept this package of solutions and commit to supporting the commercialisation of the goods that have been certified as sustainable.

    Some environmental activists view these initiatives as a form of greenwash and have questioned their efficacy. Participating companies certify the production within their own supply chain, but roundtable initiatives have not succeeded in transforming their respective sectors. Demand for certified commodities has failed to attract a critical mass of producers that would actually transform the market and change the economic drivers of deforestation.

    Adoption is highest for coffee (40%) and cocoa (22%), while commodities linked to industrial plantations tend to be lower: palm oil (20%), sugar (3%) soy (2%) and beef (<1%). Part of the explanation for the slow uptake of the voluntary standards is the lack of demand; typically, only about fifty per cent of certified production is actually sold as a certified commodity.

    Road through soybean fields and forests in Bolivia. Image by Rhett A. Butler.

    The lack of uptake is yet another manifestation of the dilemma of allocating the cost of environmental protection and social justice. Sustainability protocols cost money, which either adds to the price of a consumer good or reduces the profit margin of commodity producers. Although North American and European consumers are concerned about deforestation, most still choose a lower-cost product, while those in Asia, Latin America and the Middle East are overwhelmingly focused on price. Moreover, global commodity markets are dominated by producers on landscapes that were transformed by agriculture decades or centuries in the past, and these farmers operate without fear of being accused of environmental crimes. Consequently, traders are not motivated to pay a premium to farmers on the agricultural frontier.

    A few producers seek to differentiate their products as organic, deforestation-free, fair-trade or antibiotic-free because they are selling their products into a differentiated market and receive a premium for their production in compensation for the extra cost and reduced yields that these systems [allegedly] entail. Others participate because it guarantees them market access. Most producers opt to circumvent the voluntary guidelines or sell to traders unconcerned about sustainability or just ignore the whole process entirely.

    Social advocates have questioned the economic benefits of certification because they tend to discriminate against small-scale producers who cannot meet the record-keeping and logistical demands of a certification process. These protocols are negotiated by large-scale producers that dominate the roundtable initiatives and tailor the certification criteria to their supply chains. As formalisation spreads throughout national and international markets, smallholders could be increasingly marginalised within regional and even local markets in contradiction with the stated social objectives of these certification schemes.

    “A Perfect Storm in the Amazon” is a book by Timothy Killeen and contains the author’s viewpoints and analysis. The second edition was published by The White Horse in 2021, under the terms of a Creative Commons license (CC BY 4.0 license).

    Read the other excerpted portions of chapter 3 here:

    Chapter 3. Agriculture: Profitability determines land use

  • Agriculture: profitability determines land use October 10, 2023
  • Agriculture in the Pan Amazon: Beef production models October 11, 2023
  • Industrial infrastructure in the Pan Amazon October 17, 2023
  • National versus global markets – beef in the Brazilian Amazon October 19, 2023
  • Livestock farming in the Andean Amazon and the rest of the Amazon October 24, 2023
  • Intensive agriculture in the Pan Amazon: Soy, maize and other field crops October 25, 2023
  • Agriculture in the Pan Amazon: Global markets for soybean and corn crops October 31, 2023
  • Agriculture in the Pan Amazon: Industrial infrastructure for grains and cereals November 1, 2023
  • Agriculture in the Pan-Amazon: Swine and poultry – Adding value to farm production November 8, 2023
  • Oil palm in the Pan Amazon November 9, 2023
  • Palm oil cultivation in Colombia, Ecuador, Peru and Brazil November 13, 2023
  • What does oil palm require to reach international markets? November 14, 2023
  • Biofuels in the Pan Amazon November 21, 2023
  • Coffee and cacao in the Pan Amazon November 22, 2023
  • Cultivation and processing of Amazonian coffees November 28, 2023
  • High quality cacao in Amazonia November 29, 2023
  • Local and national food crops in the Andean Amazon December 5, 2023
  • Coca in the Amazon – The anti-development crop December 6, 2023
  • agribusiness, Agriculture, Amazon Agriculture, Amazon Biodiversity, Amazon Conservation, Amazon Destruction, Amazon People, Amazon Rainforest, Community Development, Conservation, Deforestation, Development, Environment, Forests, Rainforests, Sustainable Development, Threats To Rainforests, Threats To The Amazon, Tropical Forests

    Bolivia, Brazil, Colombia, Ecuador, Guyana, Latin America, Peru, South America, Suriname, Venezuela


    CSM certification: Costs, requirements, and all you need to know

    The Certified ScrumMaster (CSM) certification sets the standard for establishing Scrum theory, developing practical applications and rules, and leading teams and stakeholders through the development process.

    CSM certification

    Agile practices are being rapidly adopted in project and product management across many industries, and the ScrumMaster is an important leadership role in agile development to not only Boost workflow but increase your value as your career evolves. The Certified ScrumMaster (CSM) certification, available through the Scrum Alliance, is an entry-level certification aimed at providing professionals with an awareness of the methodologies and values of Scrum, including team performance, accountability, and iterative progress. This certification is beneficial for people in product delivery who use the Scrum framework or those responsible for optimizing Scrum, including ScrumMasters and their teams.

    Becoming a CSM offers individuals various valuable benefits, including increased recognition and credibility as a leader, additional opportunities within organizations with agile practices, leverage with future opportunities, and a demonstrated knowledge of Scrum principles.

    CSM certification requirements

    There are no prerequisites to enroll in CSM training but training is required to become certified. To earn a CSM credential, applicants must understand the Scrum framework and its principles and practices. The Scrum Alliance offers numerous resources on Scrum fundamentals, including the Scrum Alliance expert blog, member articles, videos, presentations, and reports.

    Applicants must attend a CSM course, spread across two days in person or four online, taught by a Certified Scrum Trainer. The course provides a full overview of how to organize and support a Scrum team, and covers learning objectives including scope, Lean, agile, coaching, and service to the development team, product owner, and organization.

    After completing the course, you have two opportunities within 90 days at no cost to pass the test through the Scrum Alliance portal and become a Certified ScrumMaster. After up to two attempts within 90 days, however, there’s a $25 charge for each additional attempt. Once you pass the CSM exam, you must submit a license agreement for the Scrum Alliance to accept, as well as complete your Scrum Alliance membership profile.

    CSM certification costs

    The initial certification fee for each student who successfully completes a Certified ScrumMaster course is paid by the Certified Scrum Trainers. The training course fees, which range from $350 to $1,000, also cover the following:

  • The first two years of certification
  • Two attempts to take the test (within 90 calendar days of attending the course)
  • Course materials provided by each instructor in class (must be Scrum Alliance approved)
  • The two-day course either online or in-person
  • Two-year membership to the Scrum Alliance community
  • CSM certification exam

    The CSM test consists of 50 multiple-choice and true/false questions in 60 minutes. You’ll need to correctly answer a minimum of 37 questions for a passing grade of 74%. The test covers key Scrum elements, including general Scrum knowledge, Scrum roles, Scrum meetings, and Scrum artifacts. Applicants can only attempt the test twice without additional charge within the 90-day timeline of having completed the required two-day course. Otherwise, an additional $25 is required for each subsequent attempt.

    CSM certification value

    There are real benefits to getting CSM certified, not just for your organization but also on a personal level. The certification gives you a credential of demonstrable leadership value that goes beyond traditional project managers. Benefits also include improving team management, collaboration, and performance to ensure project work progresses seamlessly and efficiently. It also ensures Scrum is being applied correctly and consistently, and that everyone is aligned in their understanding of the framework. Plus, CSM certification provides a career-boosting benefit and opens up opportunities for professional growth.

    It’s also about being part of a community. After completing all the steps and becoming a CSM, you’ll receive a two-year membership to the Scrum Alliance and can join local user groups and online social networks, as well as get access to discounts on gatherings, and more.

    CSM certification renewal

    Your CSM must be renewed every two years. Doing so requires a total of anywhere from 10 to 40 hours of Scrum Education Units (SEUs) and a renewal fee, which varies depending on the certification and SEUs required. Staying up to date requires staying current through SEUs. For every hour you spend on continuing education, you receive one SEU, and SEUs fall into four subcategories: events, learning, volunteering, and other independent means.

    Eligible activities include the time you spend reading articles, volunteering, attending events, and taking courses. Examples of SEU options include watching a community webinar, giving back to the agile community through volunteer work, participating in a local user group, attending a global or regional Scrum gathering, and writing a blog post or reading a book about Scrum/agile. As an additional benefit, taking the CSM earns PMI-certified professionals Professional Development Units (PDUs).

    CSM certification training

    Applicants must attend a 16-hour CSM course taught by a Certified Scrum Trainer (CST) prior to taking the CSM exam, either spread across two days in person or up to four online. CSTs are the only trainers approved by the Scrum Alliance to prepare you for the exam, and courses provided by CSTs are listed on the Scrum Alliance course search page. And even though live online options are available in addition to in-person training across the globe, self-paced online training is not available at this time.

    CSM training should cover Scrum principles, the Scrum framework, definitions, how to run a Scrum project, how to work with teams, how Scrum fits into your organization, and the various roles involved with Scrum. By the end of your training you should be able to understand:

  • Foundations of Scrum and rules
  • How to act as a ScrumMaster for Scrum teams and stakeholders
  • Servant-leadership
  • How to effectively use Scrum
  • How to increase the effectiveness of Scrum at your organization
  • Once your training is complete, you can expect your instructor to assist with creating an account for you to access a CSM test test site.

    Sample CSM test questions

    To prepare for the CSM exam, there are many online practice tests with questions that might look similar to these on your test including:

  • Tracking project impediments in a Scrum project is whose primary responsibility?
  • Which concept of the following is NOT defined in the Scrum framework?
  • Which of the following main events are defined in the Scrum framework?
  • Who is responsible for prioritizing the product backlog?
  • CSM certification salaries and jobs

    Becoming a CSM can also provide a big boost to your annual salary. The range for ScrumMasters varies depending on title and location, but Glassdoor calculates an average of $128,000 and some roles can command as high as $165,000. Some such as Agile coach, Scrum trainer, Senior ScrumMaster, Agile Scrum coach, and Lead ScrumMaster are typical titles that can be expected, depending where you are on your career track.

    Having achieved ScrumMaster certification opens up doors to more senior positions, and regardless of the role you choose, all indications point to a secure and stable future full of opportunities.


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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