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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Exam Number : ERP-Consultant
Exam Name : NetSuite ERP Consultant
Vendor Name : NetSuite
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ERP-Consultant exam Format | ERP-Consultant Course Contents | ERP-Consultant Course Outline | ERP-Consultant exam Syllabus | ERP-Consultant exam Objectives

Exam Specification:

- exam Name: NetSuite ERP Consultant
- exam Code: ERP-Consultant
- exam Duration: 2.5 hours
- exam Format: Multiple-choice questions

Course Outline:

1. Introduction to NetSuite ERP
- Overview of NetSuite ERP functionality
- Understanding the role of an ERP consultant in implementing NetSuite ERP

2. NetSuite ERP Configuration and Setup
- Configuring company settings and preferences
- Defining roles and permissions
- Setting up financial management modules

3. NetSuite ERP Customization
- Customizing forms, fields, and records
- Creating and managing workflows
- Building custom reports and dashboards

4. NetSuite ERP Implementation
- Understanding the implementation methodology
- Data migration and integration strategies
- User training and change management

5. NetSuite ERP Functional Modules
- Overview of key functional modules, including financial management, inventory management, order management, and procurement
- Understanding module-specific configuration and setup requirements

6. NetSuite ERP Advanced Features
- Advanced financial management capabilities
- Multi-subsidiary management and consolidation
- Advanced reporting and analytics

Exam Objectives:

1. Understand the core functionality and features of NetSuite ERP.
2. Configure and set up NetSuite ERP according to client requirements.
3. Customize NetSuite ERP to meet specific business needs.
4. Implement NetSuite ERP using best practices and methodologies.
5. Demonstrate knowledge of key functional modules and their configuration.
6. Utilize advanced features and capabilities of NetSuite ERP.
7. Apply data migration and integration strategies.
8. Provide user training and support during NetSuite ERP implementation.

Exam Syllabus:

The exam syllabus covers the following subjects (but is not limited to):

- Introduction to NetSuite ERP
- NetSuite ERP configuration and setup
- NetSuite ERP customization
- NetSuite ERP implementation methodology
- NetSuite ERP functional modules (financial management, inventory management, order management, procurement)
- NetSuite ERP advanced features
- Data migration and integration strategies
- User training and change management

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This bestselling textbook provides an engaging and user-friendly introduction to the study of language.

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A MOSAIC Study Guide

Editor’s Note: This story originally appeared on ByDanJohnson.com.

FAA proposed regulation has powerfully captured the attention of many pilots. Pilots have tons of questions. They have some answers. Everyone has a lot to read.

Overall, FAA’s Modernization of Special Airworthiness Certification (MOSAIC) regulation proposal has been warmly received as it opens the door to more capable aircraft that a sport pilot can fly. That’s good, but the document has problems, too. Following are four examples.

MOSAIC’s language invigorated many readers when the Notice of Proposed Rule Making (NPRM) expressed support for a sport pilot certificate holder to fly at night, with proper training and a logbook endorsement. Yet the proposal refers to other FAA regulations requiring BasicMed or an AvMed. If you must have a medical, you are not exercising the central privilege of a sport pilot certificate. Why suggest that a sport pilot can do things that are blocked by other regulations? This conflict should be resolved.

Another opportunity gap involves aerial work. We’re pleased the Light Aircraft Manufacturers Association (LAMA’s) request was included, but it requires a commercial certificate to fly for compensation, and this requirement eliminates powered parachutes and weight shift trikes, for which no commercial certificate is available. This is discriminatory and should be fixed.

Maintenance experts have lots of questions; see the video at bottom.

ASTM standards writers raised questions about the value of noise regulations included for no present gain, “requiring solutions before the problem exists.” This appears to have political motivations.

You may find other aspects of MOSAIC that urge you to comment. If so, you may find the following helpful.

MOSAIC Study Guide

I can’t imagine anyone genuinely enjoys practicing MOSAIC. The NPRM encompasses many pages in dense language; it’s tedious to review.

It just got a lot easier, thanks to Roy Beisswenger. [Beisswenger is founder and proprietor of Easy Flight]

Beginning in 2014—well before MOSAIC existed—Beisswenger and I spent years advocating on behalf of the LSA industry and the pilots that fly those light aircraft to the FAA. Beisswenger was the lead author on several white papers LAMA submitted to support each of its requests. They went over so well with the FAA that they are mentioned in the footnotes.

As you will see in the attached PDF study guide, Beisswenger has done a monster amount of work in reformatting the documents so that you can walk through it and find what you want much easier.

Beisswenger also addressed specific comments I had, whereupon practicing one section, the FAA refers to another, and then to another. Before long, you forget where you started and struggle to retrace your steps. You also need internet access to study the FARs published outside the NPRM. The continuous back-and-forth makes studying the document slow, yet the clock is ticking on public comments. At this writing they have just over 60 days left.

Reviewing the NPRM is far easier with this PDF study guide because of the bookmarks, links, and backlinks, plus already-highlighted text which shows what current FARs could be changed plus some lightly-colored text that illustrates where the FAA will insert new language.

MOSAIC will still take a significant effort to review carefully, but Beisswenger made the task much easier and faster.

The Magic of Bookmarks

If you open the study guide with Adobe Acrobat on almost any device or computer—or if you use Preview on Apple laptops/desktops—you will gain access to the bookmarks (look for a small icon in the upper right of a tablet or a smart phone; in Preview, show the Table of Contents. On both, use the triangles to drop down further and further). Bookmarks are your navigation friend, helping you jump to places of interest or study.

Beisswenger even embedded back buttons on some pages when reviewing the FARs. This helps readers not get lost in their investigations.

Of course, within Acrobat (or Preview), you can search for specific text.

I observe for you that such ease of review was not possible when the SP/LSA regulation was released in 2004 (three years before the iPhone was introduced).

When reviewing MOSAIC I recommend you follow aspects of particular interest to you rather than try to absorb the whole thing.

However deep you go, Beisswenger made it much easier. 

When you are ready to comment to FAA, use this link. We’ll have more advice on commenting as soon as possible but here’s some basic tips:

  • Keep your remarks to a purpose; ask for something.
  • Make specific requests.
  • Reference language when changes are needed.
  • Be constructive; no ranting.
  • Be original; use your own words.
  • To see MOSAIC comments already made, use this link.

    More About MOSAIC

    John Zimmerman, president of Sporty’s, thought their conversation in this edition of the “Pilot’s Discretion” podcast conveyed a lot of good information (audio—42 minutes). John was an excellent interviewer.


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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