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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Vendor Name : Amazon
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The 10 Best Luxury Gifts On Amazon That Are Worth The Splurge

This article was created in partnership with Amazon to share some of the retailer’s best gifts for those who appreciate the finer things in life. From footwear to skincare to jewelry and more, Amazon’s Luxury Stores offer a variety of sophisticated items at a range of price points to spoil your friends, family or yourself.

Amazon may be a popular go-to for affordable gifts, household essentials and deals on just about everything, but the retailer also offers a substantial selection of high-end apparel, accessories and beauty products through its Luxury Stores. So if you have a person in your life who would love unwrapping an elegant surprise (or you’re looking to splurge on yourself), you can shop everything from statement-making snow boots to a seven-step winter skincare kit to an exquisite 14kt gold knuckle-link bracelet—while taking advantage of Amazon’s free shipping and free 30-day returns on most items.

Amazon's Luxury Stores feature a wide selection of designer apparel, accessories and beauty products ... [+] that make great gifts.

ILLUSTRATION: FORBES / IMAGES: AMAZON

If you’re an Amazon Prime member, you can order a few select products now to arrive in time for Christmas—but at this point, most products will ship after the holiday. Don’t worry: They also make excellent gifts for someone with a winter birthday, for an anniversary or for Valentine’s Day. To help you find a gift that fits both your budget and your loved one’s style, this Amazon gift guide features picks from beloved brands like Moon Boot, Dr. Barbara Sturm and Giuseppe Zanotti. Read on to shop 10 designer gift ideas that are available on Amazon right now and are perfect for the new year and beyond.

The Best Luxury Gifts On Amazon: Beauty

If you know someone who’s serious about their skincare routine, this seven-step kit offers a selection of products formulated to help prevent dryness and irritation that can be caused by cold weather. It includes a cleanser, face mask, two kinds of serum, lip balm and eye and face creams to provide their skin with some extra pampering. The set also comes conveniently packaged in a festive emerald-green puffer bag.

Help your loved one look radiant for all their holiday and New Year’s festivities with this opal-colored highlighting powder that comes in a sparkly, celestial-inspired compact. It’s formulated to absorb and reflect light while creating a vibrant finish that resists fading for up to 12 hours. And to help moisturize skin in the dry winter air, it also contains vitamin E–packed argan oil.

This floral perfume offers notes of bergamot, jasmine, orange blossom, sandalwood and more for a scent that is both ethereal and captivating. Choose from a 1- or 1.7-ounce bottle or a pack of two or four travel-sized 0.25-ounce bottles of this fragrance that has been sold for more than 100 years.

This award-winning scalp treatment is formulated with pumpkin-seed extract and retinol to stimulate cell turnover—encouraging healthy hair growth and helping to prevent strand loss for a more robust coif. The product is vegan, cruelty-free and suitable for colored, keratin-treated or relaxed hair, and the 1.7-ounce bottle features a convenient dropper in the cap for easy application.

The Best Luxury Gifts On Amazon: Apparel

With their vintage space-age look, 100% water-repellent insulated construction and anti-slip rubber tread, these winter boots make a bold statement—but they’re also designed to provide comfort and protection from the elements. Choose from 15 colorways, including black, lilac or glacier grey, to match the vibe of the intrepid one in your life.

This formfitting turtleneck is knit from soft merino wool and features a playful retro design in five colorways. It’s a warm, fashionable choice for carving up the mountain and enjoying après-ski festivities. Note that this sweater is hand-wash only.

Available in black or tan leather or multicolor glitter fabric, these flats feature a pointed toe and a sleek buckle detail that pairs well with everything from dresses to jeans. And with their sturdy leather sole and memory foam–cushioned interior, they’re just as durable and easy to wear as they are stylish.

A sleek and simple athletic short is a staple in any fitness enthusiast’s wardrobe. Available in either black or navy, these men’s shorts from Perfect Moment will take his workout style up a notch. They feature the brand’s signature star insignia embroidered on the front as well as two front pockets and a back pocket for holding keys, a wallet or credit cards. 

The Best Luxury Gifts On Amazon: Accessories

This eye-catching accessory from Italian luxury label Giuseppe Zanotti is available in either black or white leather, with a sleek and angular gold buckle in the shape of the designer’s iconic signature. Its one size is adjustable up to a 51-inch waist.

If you’re looking to splurge on fine jewelry for someone who appreciates a unique yet subtle design, this knuckle-link bracelet is as understated and surprising as they come. It’s crafted from solid 14kt yellow gold and part of a capsule collection of pieces that can be connected together via the horseshoe clasps or worn individually. 


Amazon new year sales — best deals to shop now

Didn't get the gift you wanted this holiday? Don't worry, there are hundreds of Amazon new year sales you can shop right now with discounts on everything from 4K TVs to Nespresso machines. 

As one of the biggest retailers, Amazon sales offer a great opportunity to save on both small and big purchases. Below I'm rounding up the best deals on gear Tom's Guide editors have reviewed and recommend. I'll also make some personal recommendations based on items I  bought this holiday season. 

Amazon new year sales — Quick links Amazon new year sales

A guide to DevOps testing tools

The BlazeMeter Continuous Testing Platform is a complete solution for shift-left continuous testing. The platform includes UI functional testing, user experience testing, API testing and monitoring, performance testing, and virtual services. All capabilities are deeply integrated in an intuitive workflow designed for agile teams and provide robust support for popular open source tools. Delivered in SaaS with support for multiple clouds or private cloud, it is a powerful tool for delivering innovation with quality and speed. 

Mobile Labs: The company’s patented GigaFox is offered on-premises or hosted, and solves mobile device sharing and management challenges that arise during development, debugging, manual testing, and automated testing. A pre-installed and pre-configured Appium server with custom tools provides “instant on” Appium test automation. GigaFox enables scheduling, collaboration, user management, security, mobile DevOps, and continuous automated testing for mobility teams spread across the globe and can connect cloud devices to an industry-leading number of third-party tools such as XCode, Android Studio, and many commercial test automation tools. 

Cantata from QA Systems is a certified standards compliant automated unit and integration testing tool for embedded C/C++ code. Highly automated test case generation, code coverage, static metrics and requirements tracing are supplemented by architectural analysis and test status management with Test Architect and Team Reporting add-ons. Cantata is integrated with an extensive set of development toolchains, from cross-compilers and debuggers to ALM and continuous integration tools.

Quali’s CloudShell Colony helps organizations streamline effective application testing by providing development and testing teams with self-service access to automated test environments while delivering security, governance, and cost control. By removing error-prone manual inefficiencies and conflict-ridden static test environments, it creates a solid foundation for Continuous Testing and DevOps. Founded in 2007, Quali helps businesses accelerate innovation, Excellerate quality, and control costs with on-demand access to automated application and infrastructure environment provisioning across any cloud.

RELATED CONTENT:Creating a clear testing path to DevOps takeoffHow do you help test in DevOps?

BMC AMI DevOps for Db2 accelerates the delivery of new and updated applications to the market. It comes with out-of-the box integration with Jenkins, an application development orchestration tool. This provides the power to automatically research database schema change requirements, streamline the review and approval process, and safely implement the database schema changes, making development and operations teams more agile. 

Cobalt.io is modernizing penetration testing by building hacker-like testing into development cycles. Pentests are performed by a global team of vetted, highly-skilled professionals with deep domain expertise. Cobalt.io offers the first of its kind, find-to-fix workflow that allows software companies to find and remediate vulnerabilities across an application portfolio, giving modern agile development teams the ability to do fast and frequent pentests and making development and security operations seamless with its integrations.

Eggplant enables companies to view their technology through the eyes of their users. The continuous, intelligent approach tests the end-to-end customer experience and investigates every possible user journey, providing unparalleled test coverage essential to DevOps success. Their technology taps AI and machine learning to test any technology on any device, operating system, or browser at any layer, from the UI to APIs to the database. 

GitLab helps delivery teams fully embrace continuous integration to automate building, packaging, and testing their code. GitLab’s industry-leading CI capabilities enable automated testing, Static Application Security Testing, Dynamic Application Security testing, and code quality analysis to provide fast feedback to developers and testers. With pipelines that support concurrent testing and parallel execution, teams get insight into every push, allowing them to deliver higher quality code faster.

HCL: AppScan is an automated application security testing and management tool. The company recently released version 10 of the solution, which features on securing DevOps. New features here include interactive application security testing capabilities that go beyond SAST, DAST and SCA; out-of-the-box integrations with DevOps toolchains, and a new plugin to help developers identify vulnerabilities in their dev environments. 

HPE Software’s automated testing solutions simplify software testing within fastmoving agile teams and for Continuous Integration scenarios. Integrated with DevOps tools and ALM solutions, HPE automated testing solutions keep quality at the center of today’s modern applications and hybrid infrastructures. 

IBM: Continuous Testing provides an end-to-end picture of how products react to new code. It does this early in the development lifecycle which gives Product teams confidence to push incremental code changes more frequently. IBM’s cloud-native Continuous Testing platform Rational Test Automation Server along with market leading Rational Test Workbench and Virtualization Server empowers teams to achieve this over a wide range of scenarios covering mobile, cloud, cognitive, mainframe and more with minimal coding

Micro Focus: Minimize risk and maximize user satisfaction by testing early, often, and at scale with Micro Focus’ industry-leading, integrated portfolio for continuous and comprehensive testing of web, mobile, and enterprise applications. With extensive technology support and AI-driven capabilities, you can test complex load, stress and performance scenarios, and implement resilient functional test automation throughout your entire DevOps pipeline. Their tools provide an end-to-end view of quality, with specific, actionable and timely feedback on your applications’ readiness status.

OverOps is a continuous reliability solution that helps companies prevent critical errors that are missed by testing and static analysis. Using OverOps teams can quickly identify and resolve critical software issues. Unlike static code, log analyzers and APMs that rely on foresight, OverOps analyzes your code at runtime to produce specialized data that tells when, where and why code breaks. OverOps runs in the cloud or on-premises with robust CI/CD integrations to ensure software reliability from testing into production. To learn more about why global organizations trust OverpOps visit www.overops.com.   

Perfecto: Perfecto offers a cloud-based continuous testing platform that takes mobile and web testing to the next level. It features a: continuous quality lab with smart self-healing capabilities; test authoring, management, validations and debugging of even advanced and hard-to-test businesses scenarios; text execution simulations; and smart analysis. For mobile testing, users can test against more than 3,000 real devices, and web developers can boost their test portfolio with cross-browser testing in the cloud

Progress: Telerik Test Studio enables QA and SDET professionals to create functional, performance and load tests that work immediately. Patent-pending multi-sense discovery eliminates broken tests and technical debt that plague other testing solutions

QASymphony’s qTest is a Test Case Management solution that integrates with popular development tools. QASymphony offers qTest eXplorer for teams doing exploratory testing. 

Sauce Labs: With more than 3 billion tests run and counting, the Sauce Labs Continuous Testing Cloud is the only continuous testing platform that delivers a 360-degree view of your customers’ application experience. It ensures web and mobile applications look, function, and perform exactly as they should on every browser, OS, and device, every single time.

ShiftLeft Inspect is a next-generation static code analysis solution, purpose-built to insert security into developer workflows without slowing them down. It accomplishes this by scanning code as fast as the pull request or build with the accuracy required to share directly with developers, without manual triage. Its coverage extends beyond technical vulnerabilities to business logic flaws, data leakage, hard-coded literals and insider threats.  

At SmartBear, they focus on your one priority that never changes: quality. They know delivering quality software over and over is complicated. So their tools are built to streamline your process while seamlessly working with all the tools you use – and will use. Whether it’s Swagger, Cucumber, ReadyAPI, Zephyr, TestComplete, or more, their tools are easy to try, easy to buy, and easy to integrate. 

StackHawk makes it simple for developers to find, triage, and fix application security bugs. Scan your application for AppSec bugs in the code your team wrote, triage and fix with provided documentation, and automate in your pipeline to prevent future bugs from hitting prod.

Testlio is the leader in managed app testing. With robust client services, a global network of validated testers, and a comprehensive software platform, they provide a suite of flexible, scalable, and on-demand testing solutions. When apps must perform brilliantly, Testlio helps ensure world-class customer experiences. In any location. On any device. In any language.


 


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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

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.

Erpressung

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:

Cyber-Kosten:

  • 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

Cyber-Eigenschäden:

  • 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