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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Why Protecting Your Printer Is An Essential Cybersecurity Practice

CEO, Web Safe 101. Bestselling author and cybersecurity awareness specialist.


Cybercrime has been increasing with cybercriminals attempting to pinpoint the weakest links in your security to breach, gain access and exploit. Whether at home or the office, printers are usually accessible to more than one person and, nowadays, have access to your network, devices and the internet. This kind of open access makes your printer a hub for cyber attacks. 

Why printers?

Most businesses overlook printers when they are assessing cyber threats to their business — they mostly focus their attention toward computers and network devices. Printers are often considered internal devices with basic functions and are, therefore, easily ignored.

This is exactly what makes printers such an attractive breach point for cybercriminals. They realize the importance of a weak spot, like printers, in your cybersecurity and exploit them for their benefits. There are many reasons for hackers to attack your printers, which include:

• Launching unauthorized print jobs.

• Accessing confidential information.

• Accessing connected computers and networks for further security breaches.

If you can imagine the amount of sensitive information your printer receives in the form of documents like financial records, employee information, bank details, tax files and even personal information of individuals, it is not hard to see why they are ripe for cyber attacks.

Many printers come with internal storage capabilities to store queued and previous print documents and pages that are accessible even if the printer is off or disconnected from the network. Hackers need only hack the printer's operating system to gain access to all the sensitive data stored in it.

It is not only the documents you print that are at risk with printers — the information printers store goes beyond just print jobs because many modern printers have multifunction capabilities like scanning and copying.

Modern printers have wireless access for convenience. This means hackers can intercept the transmissions and gain access to the printer's network. Whether wireless or wired, many modern printers have access to the internet, which increases their security risks if they are not properly protected.

How can you protect your printers?

1. Check your print trays regularly.

This goes without saying, but regularly checking your print trays for unused pages that may contain sensitive information is a very basic practice to avoid any security leaks. Investing in a good shredder and placing it next to your office printer is an excellent idea.

You can encourage employees to shred any wasted prints that contain sensitive information and help them identify what constitutes sensitive information. This way, they will know which papers to shred and which to recycle in the printer.

2. Consider cloud printing.

Cloud printing is a new and improved way of document sharing and access. There are, however, some drawbacks when it comes to security. Because cloud printing involves print jobs going through a publicly accessed infrastructure, hackers can sometimes use them to gain access to your printers.

An easy way to avoid this is by only using reliable cloud printing services or, if you are using an internal cloud, monitoring and limiting access only to reliable users.

3. Update your printers.

Printer manufacturers are always working toward known vulnerabilities in their devices and update printer software for increased protection.

Keeping your printers properly updated will allow you to overcome any known threats to your printer that the manufacturer has resolved. You can update your home or work printers every quarter to avail the basic security benefits that your printer offers.

4. Forget network printing.

It is understandable why offices and businesses may require their printers to access networks for remote print jobs, but having an unprotected printer in your network could deliver cybercriminals easy access.

If it is possible to disable network access to your home or office printer, then that is the best option. If not, then you can disable printing over the internet through your printer settings and configure your network settings to only take prints from your network router and not other sources.

Doing this will help limit your printer's accessibility to your network and avoid any outside interferences.

5. Change your printer password.

Many people forget that their printers have password protections.

Passwords are at the frontline of your cybersecurity and should be treated as such. If you have not changed the manufacturer's password on your printer, you are making things easier for cybercriminals and hackers.

Be sure to change the manufacturer password on your printers to a strong and long confusing password, which you can do by going to the printer's settings options. Another good security tip is to make sure your printer requires credentials for any access, which can be achieved by consulting your printer manufacturer or an IT professional.

6. Install a firewall.

This is a basic requirement that most offices already use and a reliable firewall will help protect your printers from cybercriminals. Most computers come with pre-installed firewalls that you simply need to keep enabled and functioning in order to take advantage.

If you want more protection out of your firewall than the preinstalled one, you may want to invest in an advanced and specialized firewall for your office or home. These provide the most advanced security available that makes it incredibly hard for most hackers to crack.

Your organization's data is one of the most valuable assets you own. Protecting it should always be high priority, and your printer is no exception.

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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