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 : EX200
Exam Name : Red Hat Certified System Administrator (RHCSA)
Vendor Name : RedHat
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EX200 test Format | EX200 Course Contents | EX200 Course Outline | EX200 test Syllabus | EX200 test Objectives

Understand and use essential tools

Access a shell prompt and issue commands with correct syntax

Use input-output redirection (>, >>, |, 2>, etc.)

Use grep and regular expressions to analyze text

Access remote systems using SSH

Log in and switch users in multiuser targets

Archive, compress, unpack, and uncompress files using tar, star, gzip, and bzip2

Create and edit text files

Create, delete, copy, and move files and directories

Create hard and soft links

List, set, and change standard ugo/rwx permissions

Locate, read, and use system documentation including man, info, and files in /usr/share/doc

Operate running systems

Boot, reboot, and shut down a system normally

Boot systems into different targets manually

Interrupt the boot process in order to gain access to a system

Identify CPU/memory intensive processes and kill processes

Adjust process scheduling

Manage tuning profiles

Locate and interpret system log files and journals

Preserve system journals

Start, stop, and check the status of network services

Securely transfer files between systems

Configure local storage

List, create, delete partitions on MBR and GPT disks

Create and remove physical volumes

Assign physical volumes to volume groups

Create and delete logical volumes

Configure systems to mount file systems at boot by universally unique ID (UUID) or label

Add new partitions and logical volumes, and swap to a system non-destructively

Create and configure file systems

Create, mount, unmount, and use vfat, ext4, and xfs file systems

Mount and unmount network file systems using NFS

Extend existing logical volumes

Create and configure set-GID directories for collaboration

Configure disk compression

Manage layered storage

Diagnose and correct file permission problems

Deploy, configure, and maintain systems

Schedule tasks using at and cron

Start and stop services and configure services to start automatically at boot

Configure systems to boot into a specific target automatically

Configure time service clients

Install and update software packages from Red Hat Network, a remote repository, or from the local file system

Work with package module streams

Modify the system bootloader

Manage basic networking

Configure IPv4 and IPv6 addresses

Configure hostname resolution

Configure network services to start automatically at boot

Restrict network access using firewall-cmd/firewall

Manage users and groups

Create, delete, and modify local user accounts

Change passwords and adjust password aging for local user accounts

Create, delete, and modify local groups and group memberships

Configure superuser access

Manage security

Configure firewall settings using firewall-cmd/firewalld

Create and use file access control lists

Configure key-based authentication for SSH

Set enforcing and permissive modes for SELinux

List and identify SELinux file and process context

Restore default file contexts

Use boolean settings to modify system SELinux settings

Diagnose and address routine SELinux policy violations

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RedHat System actual Questions


Rocky Strikes Back At Red Hat

The world of Linux has seen some disquiet over latest weeks following the decision of Red Hat to restrict source code distribution for Red Hat Enterprise Linux (RHEL) to only their paying customers. We’re sure that there will be plenty of fall-out to come from this news, but what can be done if your project relies upon access to those Red Hat sources?

The Red-Hat-derived Rocky Linux distro relies on access to RHEL source, so the news could have been something of a disaster. Fortunately for Rocky users though, they appear to have found a reliable way to bypass the restriction and retain access to those RHEL sources. Red Hat would like anyone wanting source access to pay them handsomely for the privilege, but the Rocky folks have spotted a way to bypass this. Using readily available cloud images they can spin up a RHEL system and use it to obtain their sources, and they can do this as an automated process.

We covered this story as it unfolded last week, and it seemed inevitable then that something of this nature would be found, as for all Red Hat’s wishes a GPL-licensed piece of code can’t be prevented from being shared. So Rocky users and the wider community will for now retain access to the code, but will Red Hat strike back? It’s inevitable that there will be a further backlash from the community against any such moves, but will Red Hat be foolhardy enough to further damage their standing in this regard? They’re certainly not the only large distro losing touch with their users.

LFA-REAL™ System

Alt text LFA-REAL™ System to Strengthen Health and Quality of Life

The Lupus Foundation of America's REAL™ (Rapid Evaluation of Activity in Lupus) system is the first-of-its-kind, easy-to-use tool to monitor lupus disease activity. It addresses the needs and concerns of clinicians as well as people with lupus.

This system fills an unmet need in lupus clinical care and clinical trials. LFA-REAL™ incorporates not just the clinical perspective, as most of these measures do, but also highlights patient concerns and priorities. Measurement systems like LFA-REAL™ are commonly used for other diseases, but none had existed for lupus.

What is LFA-REAL™?

The LFA-REAL™ is a two-part system that uses a series of simple questions and observations to determine a treatment’s impact on a patient’s health and daily life. One set of questions and observations, known as a Clinician Reported Outcome measure (ClinRO), is designed for clinicians. The other set of questions, known as a Patient Reported Outcome measure (PRO), is designed for patients and was created with patients' feedback and participation. The LFA-REAL™ system provides overall and organ-specific exams, enabling physicians to make evidence-based, targeted treatment decisions. The system continues to undergo testing and revisions and is currently being used in a global Phase III clinical trial by Janssen.

Potential Benefits of the LFA-REAL™ System

The LFA-REAL™ system has the potential to:

  • Provide cost-effective, efficient clinical methods to evaluate disease activity in patients with lupus, enabling clinicians to choose the most targeted treatments.
  • Show treatment effectiveness and measure improvement as part of clinical studies, speeding development, evaluation, and approval of new and better treatments.
  • Provide critical information that supports insurance coverage of new treatments.
  • Reduce unnecessary treatments and administrative costs.


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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