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 DES-3128 : Specialist - Implementation Engineer, NetWorker (DCS-IE) exam Dumps

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Exam Number : DES-3128
Exam Name : Specialist - Implementation Engineer, NetWorker (DCS-IE)
Vendor Name : DELL-EMC
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Dell EMC World 2017

CRN is live at Dell EMC World 2017 in Las Vegas. Get all of ourr coverage of the event, as well content from the Dell EMC World 2017 special issue of CRN, here.

Dell EMC World

CRN is live at Dell EMC World 2017 in Las Vegas. Get all of their coverage of the event, as well content from the Dell EMC World 2017 special issue of CRN, here.

Dell EMC World News

Dell North America Sales Chief: 'Winning In Both Consumer And Commercial PCs' Is KeyDavid Schmoock, who took over as North America sales head at Dell EMC in early April after the departure of 18-year sales veteran Bill Rodriguez, made the case at Dell EMC World for keeping the competitive pressure on in the PC arena.

Dell EMC World: Michael Dell's 7 Keys To The Future Of Dell Technologies And The IT IndustryIn a keynote at the Dell EMC World conference in Las Vegas, Dell laid out the company's broad product portfolio for the more than 13,000 in attendance and gave insights into how that portfolio is positioned for the future of global business.

Dell EMC World: Enterprise Sales Chief Scannell Says Partners Are Booting Competitors, Winning Big Deals Amid Huge Market OpportunityScannell says the market opportunity for Dell EMC now is bigger than he's seen in more than three decades.

Michael Dell To Partners: 'Enormous Cross-Selling Opportunities For You'Dell is contributing its Project FUSE source code to the EdgeX Foundry initiative, a project aiming to create a standard to align market leaders around a common Internet of Things framework.

Partner Marketing Push: Dell EMC Arms Partners With New MDF ResourcesDell EMC is simplifying its MDF strategy with its Partner Marketing Institute, an online portal that enables partners to seamlessly make their marketing efforts an extension of Dell EMC's.

Dell EMC Gives Partners The Nod On Commercial PCs With Extension Of Partner-Led StrategyDell EMC moves closer to launching its sales strategy for servers, storage and networking lines, establishing a "line of sight" for partners to make money.

Dell EMC Launches All-Flash Storage BarrageDell EMC debuts its VMAX 950X all-flash enterprise storage array and second-generation XtremIO all-flash block storage platform at Dell EMC World.

15 Hot Products Unleashed At Dell EMC World 2017Whether you made it to Las Vegas for Dell EMC World or not, CRN was there.

Dell EMC World Special Issue

Dell EMC World

Dell EMC World: Transformation Titans Map Out Dell EMC's Path To GrowthWith the right pieces now in place, Dell EMC's complete-portfolio call to action is being heard loud and clear across the partner ecosystem.

Marius Haas On Why There's 'Zero Debate' About The Value Of Dell EMC's End-To-End PortfolioMarius Haas believes that when it comes to determining which vendor partner is going to provide you with long-term value creation opportunities, there's no debate that it's Dell EMC.

John Byrne On Partners Pivoting Away From Cisco, HPE, Lenovo, And Selling The Entire Dell EMC PortfolioJohn Byrne says that Dell EMC partners are rapidly moving away from competing vendors and aggressively pushing new business opportunities across the entire combined portfolio.

Dell EMC's Cheryl Cook On The Combined Partner Marketing PerspectiveDell EMC's global channel marketing chief Cheryl Cook talks to CRN about the importance of communication when combining the marketing efforts of two massive partner programs.

Chad Sakac On Dell EMC's Push To Turn Hyper-Converged Infrastructure Into A UtilityDell EMC is putting the 'pedal to the medal' when it comes to hyper-converged infrastructure and is tasking Chad Sakac and his team with making customer transformation as simple as possible for partners.

Jeremy Burton On How Partners Can Take Advantage Of A Combined Dell, EMCAhead of Dell EMC World 2017, Jeremy Burton dug into the blockbuster acquisition and how it primes partners to take advantage of the new combined company.

Dell EMC's David Goulden On What It Means To Be The Biggest Player In StorageAhead of Dell EMC World 2017, David Goulden talks to CRN about the new combined storage powerhouse and why you won't heard anyone referred to as 'ex-Dell' or 'ex-EMC.'

Dell Coupon Codes for January 2024

FAQs Does Dell offer warranty on its products?

Yes, warranties last between 1-5 years depending on the product. If you want to find out more about what warranty your product is covered by they recommend contacting Dell customer support. Additionally, you can choose to extend your warranty when purchasing your item at the checkout. 

Does Dell offer free shipping?

Dell offers free standard shipping for everything on Dell.com, with no minimum purchase required. You can also sign up for a Dell Rewards membership and receive free expedited delivery on eligible orders. Depending on your location, Dell also offers two-day delivery for certain products if you select expedited delivery at checkout and place your order before 2pm (CT) Monday through Friday.

What is Dell Rewards?

Dell Rewards is a free loyalty program for US customers that offers free expedited delivery and 3% back on your Dell purchase, which can be redeemed toward future purchases on laptops, monitors, desktops, and more. Becoming a Dell rewards member is free – you simply need to create an account on Dell.com with your name and email.

Is there a Dell student discount?

If you're a college student, you can qualify for special Dell Coupon codes when you sign up for a rewards account with a valid email address that has your school's domain. Other perks from Dell's student rewards program include exclusive offers, free expedited delivery, 3% back in rewards, and early access to special events. Examples of popular student Dell coupon codes include a $200 Dell Promo eGift Card when you purchase a laptop of $799 or more.

Does Dell accept returns?

As a Dell customer, you can return most items you've purchased in exchange for a refund or store credit, so long as you do so within 14 days. Simply get in touch with Dell customer service and let them know you intend to send your items back, and they will help you arrange this free of charge.

Can I get in touch with Dell customer service?

There are a number of different departments within Dell customer service. Should you need to get in touch with the brand you can call one of the following numbers to speak to a member of their team:

Home office: 1-877-717-3355

Purchase or upgrade, accessories, or replacement parts: 1-800-357-3355

Member purchase program: 1-800-695-8133

PC & tablet warranties: 1-800-348-6147

What is the Dell Trade-In service

The Dell trade-in service allows you to trade in your old tech for credit to be used on your next Dell purchase. To start the trade-in process just let Dell know the model and make of your item and its condition and you'll receive a quote.  

Hints and tips

Look out for seasonal sales: Dell offers seasonal sales throughout the year during holiday shopping events such as Black Friday, Memorial Day, Presidents' Day, and Labor Day. You'll typically find the best discounts during these sales, and Dell's holiday sales typically offer some of the best laptop deals you'll find all year, with record-low prices available on best-selling models like the XPS 13, Inspiron, and Alienware.

Join the Dell Rewards program: Joining Dell's rewards program is easy and free - just sign up with your name and email, and you'll receive 3% back on purchases and receive expedited shipping on eligible orders.

Dell student discounts: College students can qualify for exclusive Dell Coupon codes by signing up for a rewards account with a valid email address that has a school's domain. You'll be able to save on some of Dell's best-selling laptops, plus earn 3% back in rewards and receive free expedited delivery.

Dell military and veteran discounts: It's not just students who can save on their orders. Dell also offers 10% off PCs and electronics for military members and their families. Simply sign up with your .Mil email address to be sent your exclusive code.

Get rewards when you buy with Dell financing: If you are able to afford to pay for your goods on finance, you can open up a Dell Preferred Account, which offers financing options on a variety of Dell products. Doing so will entitle you to can earn $50 in Dell Rewards and 3% back in rewards points when you open your account, which can then be redeemed on future orders. Just make sure you can afford what you buy on credit, and pay off what you owe on time to avoid additional fees.

How to use Dell coupon codes

1. Browse the available Dell coupon codes at the top of this page and find the one you like.

2. Click "Get Code" to reveal your unique code, then copy this for later and click through to Dell.com.

3. Once you're on the site, add the items you want to your basket and head to the checkout when you're done.

4. At the checkout, paste the code into the box marked "Got a coupon?" and click "Apply Coupon."

5. Your order total will now change to reflect your savings.

6. Proceed through the rest of the checkout as usual to place your order.

How they source coupon codes

Whether it's through their affiliate networks, the depths of the world wide web, or their connections with big name brands, here at TechRadar they use every tool at their disposal to source the latest codes. Their coupons team updates each of their pages multiple times a week with the most accurate deals, including exclusive coupons negotiated by their Commercial team. They also include the latest sales info directly from retailers to offer the most up-to-date discounts around.

How they test coupon codes

Each coupon you find on TechRadar has been tested before being uploaded by their dedicated Deals & Offers teams. You’ll see a range of offers, from free shipping to student discounts, with savings available on all kinds of products & services. To make sure every coupon is ready to use, they don’t list any user-specific or one-time codes. 

We also include all relevant information about coupons, such as expiry dates and any terms & conditions, near the ‘Get Code’ button. You can see the details for an individual offer by clicking on the ‘Terms & Conditions’ text below the code and expanding the code area. 

What to do if a coupon code doesn’t work

Although they do their best to ensure all listed codes are tried & tested, sometimes coupons expire or terms & conditions are changed before they can update pages. Their team works hard to make sure their coupons are active and work as intended, and should you encounter an issue when using one, we’ll work just as hard to help.

The best place to start is by checking the requirements. Click “View terms and conditions” to expand the code section and see any guidance on your chosen coupon. For example, you may need to meet a minimum spend, add other items to your basket to qualify for a multibuy offer, or confirm that your chosen code applies to the items in your basket (i.e. 10% off laptops).  

If you’re still having issues using your code, you can email their customer service team on coupons.techradar@futurenet.com. Include as many details as possible - such as which code you used and which coupon page it’s listed on so their team can address your issue as fast as possible. 

How they make money 

When it comes to coupons, TechRadar earns money via a commission-based model. For every brand they have a coupon page for, we’ve negotiated a deal that means they earn a percentage of total basket value in commission back from every order.

Using this model means they can offer their coupons to their customers free of charge. You won’t pay any fees to add your chosen coupon to your basket - you’ll simply pay the final order total once your discount has been applied. 

If you want to find out more about TechRadar’s coupons pages, you can visit their dedicated page on How They Source Coupon Codes and How to Use Them for more information.


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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