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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Dell EMC Expands Unity, PowerMax Lines, Intros Cloud Storage Services

Dell EMC is making the cloud a more central part of its storage offerings with the introduction of Cloud Storage Services and is working with Intel to bring Optane dual-port enterprise server-class memory to its flagship PowerMax line.


Dell EMC is expanding much of its storage portfolio with an eye toward helping channel partners better manage data in cloud and other fast-changing environments for their customers.

The company Tuesday unveiled major enhancements to its midrange Unity, flagship PowerMax and unstructured data Isilon lines. Dell EMC also introduced Cloud Storage Services.

The company also used its Dell Technologies World conference, being held this week in Las Vegas, to unveil a new line of data protection storage software and appliances.

[Related: CRN Exclusive: Dell EMC Opens Up About New Midrange Storage Coming This Year]

Sam Grocott, senior vice president of marketing for Dell EMC's Infrastructure Solutions Group, said during a pre-conference briefing that Unity XT was designed for performance and efficiency, as well as to help customers more quickly move to multi-cloud infrastructures.

"Compared to the midrange storage market, they feel we've really leapfrogged the competition," Grocott said.

Unity XT also features a combination of software enhancements and the latest generation of Intel processors to double the performance of the previous generation, he said. It is slated to ship in the second quarter of 2019.

Unity XT is NVMe-ready, Grocott said. "Customers over time to will be able to seamlessly and non-disruptively add NVMe drives to their Unity XT system," he said.

"NVMe-ready" means that in about a year after Unity XT is released customers will be able to do a non-disruptive software upgrade to take advantage of the high-performance NVMe protocol, said Caitlin Gordon, senior director of product marketing for Dell EMC storage.

Unity XT officially features a 5-to-1 data reduction capability, although many customers see more, Gordon told CRN.

Dell EMC does offer customers a 3-to-1 data reduction guarantee as long as the data in question does not contain large amounts of photographs or other files that are very difficult if not impossible to deduplicate or compress, Gordon said.

She said that in all the time Dell EMC has offered a data reduction guarantee, it has not had to do any remediation for not meeting its promise.

The platform upgrade to the Unity family comes as no surprise, said Michael Tanenhaus, principal at Mavenspire, an Annapolis, Md.-based solution provider and longtime Dell EMC channel partner.

"Coming out with a new controller is a constant in this industry," Tanenhaus told CRN. "Dell EMC has to keep modernizing the technology. So it's pressing the trigger. This is both an evolutionary and a revolutionary upgrade in an incremental sense. It shows Dell EMC is continuing to enhance the family."

Dell EMC also introduced a new offering, Cloud Storage Services, for extending data center storage services to public clouds in conjunction with its Unity XT, PowerMax and Isilon lines, Grocott said.

"[These will] help their customers extend their data centers from on-premises into the cloud," he said. "Our Cloud Storage Services deliver the performance and resiliency of the Dell EMC storage that [customers] would expect on-prem, but now can leverage and take advantage of the agility of the public cloud's compute in an as-a-service model."

Dell EMC will initially support two use cases with Cloud Storage Services, which Grocott said is now available in North America. The first is an automated Disaster Recovery as a Service supporting the Unity and the PowerMax platforms, and the second is multi-cloud access for use in bursting to the cloud for things like workload analytics and test/dev.

Dell EMC has been investing heavily in storage and data protection all with a focus on integrating with the cloud, said Paul Clifford, president of Davenport Group, a St. Paul, Minn.-based solution provider and longtime Dell EMC partner.

"Cloud Storage Services is the natural evolution of Dell," he said. "They'll get it right."

Enhancements to Cloud Storage Services should be a turbocharge across all the Dell EMC storage lines, Clifford said. "Dell EMC wants to bring everything in an environment where they can communicate and share," he said.

Dell EMC also introduced several enhancements to its flagship PowerMax line in addition to its ability to work with Cloud Storage Services, Gordon said.

The biggest is the introduction of a new storage-class memory technology for a big jump in performance, she said. That technology was jointly developed by Dell EMC and Intel and is based on Intel's Optane technology, she said.

"This will be the first scale-out storage platform to ship with Intel's dual-port, enterprise-class storage-class memory device," she said. "Intel has made its storage-class memory available for PCs and servers, but this is the first to be available inside a storage device like the PowerMax."

Also new with PowerMax is a big expansion into automation with a new plug-in for VMware's vRealize Orchestrator, or vRO, to automate workflow, Gordon said. Support for Ansible playbooks will be added this summer.

This summer will also see compatibility with the new Container Storage Interface, or CSI, Gordon said. "This will make PowerMax the only platform to support everything from mainframes to containers," she said.

Mavenspire’s Tanenhaus said that while PowerMax already had the performance of NVMe drives, NVMe is only a protocol like SAS and SCSI and as such has become the next storage performance bottleneck, making new technology like the Intel Optane server-class memory so important.

"The next bottleneck in storage is the cache memory," he said. "The dual-ported Intel Optane removes that bottleneck. Server memory used as cache can maintain super-fast performance on a consistent basis. The bottleneck keeps moving. You have to follow the bottleneck and crush it."

The new PowerMax's automation capabilities are also important in the software-defined world, Tanenhaus said. "Big data and AI workloads need the automation to push the envelope on what the system has access to."

Also introduced at Dell Technologies World is the Isilon OneFS version 8.2 software and hardware to provide customers with the scalability and performance needed to manage the massive deluge of unstructured data they are continuing to see, Grocott said.

"This new version of Isilon software and hardware really focuses on delivering this next level of scale and performance for some of the fastest-growing workloads," he said. "We typically see AI workloads or autonomous driving or [other next-generation] applications really, really pushing the bar in terms of scale and performance."

The new version of Isilon OneFS will support an increase of 75 percent in terms of capacity to up to 58 petabytes of capacity in a single file system and a single volume, bringing ease of use at scale to higher-volume use cases, Grocott said.

"We're also expanding the multi-cloud support with the Cloud Pool technology that allows us to move data into the cloud," he said. "We are now supporting Alibaba as well as the Google public cloud. We're continuing to enhance the multi-cloud capabilities of the Isilon system."

Gordon said the new Isilon OneFS technology is being given native Google Cloud Platform support for file services, with early access scheduled to be available this summer.

By year-end, Isilon will also support Dell EMC's CloudIQ cloud-native mobile application to provide infrastructure insight and analytics, Gordan said. "It supports the full Dell EMC storage line," she said.

Dell EMC also introduced a new entry-level node for the Isilon, The H5600 is a 4U chassis that can fit up to four nodes starting at 200 TB each using 10-TB SATA hard drives.

The new Isilon OneFS 8.2 appliances and software are slated to ship in the second quarter of 2019.

Dell EMC also beefed up its data protection capabilities with its new PowerProtect software and appliances.

The new PowerProtect software, which Grocott called a next-generation data management platform, was designed from the start as a software-defined offering that supports self-service SaaS environments.

"It has multi-cloud connections," he said. "It has best-in-class VMware integration. We're really, really focused on simplifying protecting your applications as they're living within a VMware environment."

The PowerProtect software has native integration with VMware, Oracle and other applications, Grocott said. "It provides a centralized governance and oversight capability while enabling long-term retention to the public cloud."

It is joined by the PowerProtect X400, which comes integrated with the PowerProtect software. The newest member of the Dell EMC Integrated Data Protection Appliance (IDPA) family, the PowerProtect X400 scales up and out, and can be configured as a hybrid disk or an all-flash appliance.

"The new X400 radically simplifies deployment, scale and efficiency for the most demanding data management workloads," he said.

The company also introduced a new entry-level version of its IDPA 4400 that can be configured as small as 8 TB, compared with the existing model, which starts at 24 TB, Grocott said. It is targeted at remote office and branch office environments, he said.

The smaller configuration of the IDPA 4400 is important for helping smaller customers take advantage of the technology, Tanenhaus said.

"It's a smaller appliance, one we've been waiting for for a while," he said. "Some of their smaller customers have to choose between Data Domain and IDPA for data protection. But the entry-level Data Domain appliance starts at 32 TB of physical capacity, and the entry-level IDPA appliance was even higher. With the new version starting at 8 TB, it will be easier for customers to choose the right experience they want.”


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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