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 E20-365 : Network Storage - NS Implementation exam Dumps

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Vendor Name : DELL-EMC
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DELL-EMC Network dumps

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 EMC Bringing Mission-Critical Cloud Power Virtustream Into Channel ProgramThe Virtustream Enterprise Cloud's move into the Dell EMC partner program is effective immediately and was announced today at the Dell EMC World conference in Las Vegas.

Pat Gelsinger: VMware Opens Up Tech Partners To Expand Cloud CapabilitiesVMware CEO Pat Gelsinger said new partnerships with Amazon Web Services, Google, and other parts of the Dell EMC business will make it easier for customers to run applications and manage IoT over private, hybrid, and public clouds.

Virtustream Extends Mission-Critical Cloud Tech To Complex Health Care ApplicationsVirtustream, known mainly for its public cloud infrastructure for mission-critical apps like SAP, is now providing the ability to run Epic and other health care apps in a HIPAA-compliant cloud.

Michael Dell To Partners: 'Enormous Cross-Selling Opportunities For You'Dell EMC CEO Michael Dell tells partners that the complexity inherent in enterprise digital transformations opens up more opportunities for partners to sell across Dell EMC's broad portfolio.

Dell EMC's David Goulden: Modern, Automated Infrastructure Provides The First Step For Cloud MigrationA big focus of this week's Dell EMC World is the ability of Dell EMC to provide the modern infrastructure that lets customers look at the cloud and other ways to add flexibility to their applications.

Dell EMC Rolls Out 'Flexible Consumption' Rebate For PartnersChannel Chief John Byrne hit the Dell EMC World conference stage in Las Vegas to talk about the vendor's new consumption-based rebate model for partners selling cloud and hyper-converged resources.

Dell EMC Takes Aim At Cisco With New Open Networking PushDell EMC is putting the pressure on Cisco and other networking market leaders, unveiling a slew of new open networking products at this week's Dell EMC World.

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 Women’s Entrepreneurship Network

No result found, try new keyword!For more than a decade, the Dell Women’s Entrepreneur Network (DWEN) has brought women entrepreneurs together from around the world to help them connect with each other, scale their businesses ...

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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