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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CISSP Certification Requirements And Cost

Editorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations.

The Certified Information Systems Security Professional (CISSP®) credential demonstrates mastery of developing and overseeing large-scale cybersecurity programs. When it comes to the best cybersecurity certifications, many consider CISSP the industry’s gold standard. Individuals who meet CISSP requirements can earn the certification and qualify to take on more professional responsibility in their cybersecurity jobs.

This guide offers information on CISSP certification requirements, including experience, suggested preparation times and CISSP certification exam costs.

What Is CISSP Certification?

CISSP certification, offered by (ISC)², is an advanced credential for information systems and cybersecurity professionals. This certification highlights an individual’s ability to create, deploy and manage cybersecurity efforts for large organizations.

CISSP certification requirements include a significant amount of professional experience and passing a lengthy exam. This credential suits experienced workers over entry-level and mid-level professionals.

Though this certification is not required by employers, it can boost candidates’ earning power and help them qualify for advanced roles in information security. CISSPs often work in positions like chief information security officer (CISO), network architect, security auditor and security manager, among others.

CISSP Certification Requirements

Aspiring CISSPs should familiarize themselves with the certification’s requirements before pursuing this credential.

Gain Experience

CISSP certification requirements stipulate that each candidate must have a minimum of five years of relevant professional experience. (ISC)² specifies eight security domains:

  • Domain 1: Security and risk management
  • Domain 2: Asset security
  • Domain 3: Security architecture and engineering
  • Domain 4: Communication and network security
  • Domain 5: Identity and access management
  • Domain 6: Security exam and testing
  • Domain 7: Security operations
  • Domain 8: Software development security
  • Prospective CISSPs must accumulate experience in two of the eight domains to meet CISSP certification requirements. They can also apply (ISC)²-approved four-year college degrees and other credentials, which may qualify as a year of experience. Paid and unpaid internships also count toward the CISSP requirement.

    Pass the Certification Exam

    The CISSP exam covers the eight domains of security in a four-hour test comprising 125 to 175 required responses. These appear as multiple-choice questions and advanced innovative items. Test-takers must earn a 700 out of 1,000 to pass. Candidates register to take the exam with Pearson VUE.

    Get Endorsed

    After passing the exam, individuals can apply for endorsement online. The endorsement must come from an (ISC)²-certified professional who can advocate for your professional experience as a credential-holder in good standing. Individuals must receive endorsements within nine months of passing the exam.

    Cost of Becoming a CISSP

    Earning CISSP certification can deliver many professional benefits, but individuals should also understand the costs associated with pursuing the credential. Along with the required time investment, consider the following CISSP certification exam costs and any required payments relating to preparation and recertification.

    CISSP Certification exam Prep

    Many organizations offer prep courses for the CISSP certification exam, and their costs vary drastically. Make sure to include exam prep costs, which may range from a few hundred dollars to a few thousand, in your CISSP budget. (ISC)² offers several exam prep methods, including self-paced, instructor-led and team-based options.

    CISSP Certification exam Cost

    The CISSP certification exam costs $749. Individuals can receive vouchers from partner organizations after completing CISSP exam training courses.

    Recertification Cost

    Individuals must meet CISSP recertification requirements every three years to maintain their credentials. Each certification holder must earn 120 continuing professional education (CPE) credits over this three-year period. Costs relating to CPEs can vary significantly, but each certified individual must pay an annual $125 fee to (ISC)².

    Common Careers for CISSPs

    Individuals who have met CISSP requirements and earned their credentials can pursue work in many information security and cybersecurity roles. As of 2023, the number of open cybersecurity roles far outpaces the number of qualified professionals, indicating strong continued demand in the sector.

    We sourced salary information for this section from Payscale.

    Data from Cyberseek.org indicates that among current cybersecurity openings requiring certification, CISSP ranks as the most in-demand credential. The following section explores roles for CISSP certification-holders.

    Chief Information Security Officer

    Average Annual Salary: Around $173,500Required Education: Bachelor’s degree in cybersecurity, information security or a related field; master’s preferredJob Description: CISOs rank among the top positions in information security for responsibility and salary. This C-suite role reports directly to the CEO and requires significant experience, practical skills and expertise in information security.

    CISOs oversee their organizations’ information security efforts. Often referred to as “chief security officers,” they supervise teams of infosec workers, set organizational directives, establish company-wide best practices and manage resource allotment. CISOs working in large, international businesses may interact with government agencies and congresspeople to ensure compliance with legal standards for information security.

    Information Technology Director

    Average Annual Salary: Around $125,000Required Education: Bachelor’s degree in computer science or related field, MBA degree often preferredJob Description: IT directors oversee departments of IT workers and manage organizations’ computer systems operations. They provide solutions to companies’ computer-related issues, including software upgrades, security concerns and general technical issues. IT directors communicate with executives to ensure company-wide directives are carried out successfully.

    These directors research new IT software and hardware to keep their organizations up to date and safe. They track metrics for managing IT professionals, along with storage, hardware and software. IT directors also handle employee schedules and budget planning. As department heads, they must possess strong communication skills to interact with mid-level professionals and C-suite executives.

    Security Analyst

    Average Annual Salary: Around $73,500Required Education: Bachelor’s degree in cybersecurity, computer and information technology or a related fieldJob Description: Security analysts work in computer systems, networks and information security departments to prevent, monitor and respond to security breaches. This broad professional title refers to workers who handle a variety of tasks in computer and network security.

    These professionals work in many industries as “first responders” for cyberattacks. They must demonstrate deep knowledge of hardware, software and data storage to understand potential vulnerabilities and security solutions. Security analysts may help design security systems and handle encryption efforts for businesses to protect sensitive information.

    Network Architect

    Average Annual Salary: Around $126,000Required Education: Bachelor’s degree in network engineering or a related field; master’s in cybersecurity or a related field often preferredJob Description: Network architects design and implement organizations’ security infrastructures. These professionals test and analyze existing safety structures to identify vulnerabilities and improvements. They install and maintain computer systems, including interconnected devices like firewalls and routers.

    Before deploying any updates or upgrades, these information security professionals create models to test their networks in a controlled environment. Modeling allows network architects to forecast security and traffic issues before implementing their infrastructures in the real world. They also train and educate IT workers on organizational best practices.

    Frequently Asked Questions About CISSP Requirements What are the requirements to become CISSP-certified?

    The two primary CISSP requirements are passing the exam and gaining five years of relevant professional experience.

    No. CISSP certification suits experienced cybersecurity and information security professionals, requiring a minimum of five years of experience in the field.

    Online Pharmacy Technician Certification Course

    Requirements for pharmacy technicians vary by state, but most require certification, registration or licensure. Earning your certification from the Pharmacy Technician Certification Board (PTCB) provides a valuable, industry-recognized credential that meets most states’ requirements.


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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