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 : GB0-191-ENU
Exam Name : Constructing Small and Medium Sized Enterprise Network
Vendor Name : H3C
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GB0-191-ENU test Format | GB0-191-ENU Course Contents | GB0-191-ENU Course Outline | GB0-191-ENU test Syllabus | GB0-191-ENU test Objectives

Title: Constructing Small and Medium-Sized Enterprise Network (GB0-191-ENU)

Test Detail:
The Constructing Small and Medium-Sized Enterprise Network (GB0-191-ENU) certification is offered by H3C, a leading provider of networking solutions. This certification validates the knowledge and skills required to design, implement, and manage small and medium-sized enterprise networks using H3C networking products and technologies. It focuses on network architecture, protocols, security, and best practices for building efficient and reliable networks.

Course Outline:
The GB0-191-ENU certification program covers a comprehensive range of courses related to constructing small and medium-sized enterprise networks. The course provides participants with a deep understanding of network design principles, configuration, and troubleshooting. The following is a general outline of the key areas covered in the certification program:

1. Network Architecture and Design:
- Understanding small and medium-sized enterprise network requirements
- Network topologies and design principles
- LAN and WAN design considerations
- Network segmentation and subnetting
- Virtual LAN (VLAN) design and implementation

2. Network Protocols and Services:
- TCP/IP fundamentals and addressing
- Routing protocols (RIP, OSPF, BGP)
- Switching protocols (STP, RSTP, MSTP)
- IP services (DHCP, DNS, NAT)
- Quality of Service (QoS) principles and implementation

3. Network Security and Access Control:
- Network security principles and best practices
- Access control and authentication mechanisms
- Firewall and VPN technologies
- Intrusion Detection and Prevention Systems (IDPS)
- Network security policies and monitoring

4. Network Device Configuration and Management:
- Configuration of H3C switches and routers
- VLAN and port configuration
- Routing and inter-VLAN routing configuration
- Network monitoring and troubleshooting tools
- Network device management and software upgrades

Exam Objectives:
The GB0-191-ENU certification test assesses candidates' understanding of small and medium-sized enterprise network design, implementation, and management. The test objectives include, but are not limited to:

1. Demonstrating knowledge of network architecture and design principles.
2. Configuring and troubleshooting network protocols and services.
3. Implementing network security and access control measures.
4. Configuring and managing H3C switches and routers.
5. Monitoring and troubleshooting small and medium-sized enterprise networks.

The GB0-191-ENU certification program typically includes instructor-led training or self-paced online learning modules. The syllabus provides a breakdown of the courses covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Network Architecture and Design
- Network Protocols and Services
- Network Security and Access Control
- Network Device Configuration and Management
- Network Monitoring and Troubleshooting
- test Preparation and Practice Tests
- Final Constructing Small and Medium-Sized Enterprise Network (GB0-191-ENU) Certification Exam

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Play games to help keep dementia at bay: study

Puzzles, chess and writing journals may be more than pure amusements to pass the time. These brain activities could help reduce the risk of dementia. 

According to a latest study in JAMA Network Open, activities related to adult literacy, such as taking classes, using a computer or writing journals, as well as active mental tasks like games, cards, or crossword puzzles, were related to a reduced dementia risk over 10 years.

The study looked at 10,318 adults in Australia who were 70 years old or older, who were generally healthy and without major cognitive impairment at enrollment.

Read: Having friends isn’t just good for your social life — it can also ward off dementia

The participants who engaged in literacy activities and active mental activities had an 11% and 9% lower, respectively, risk of dementia. 

To a lesser extent, participating in creative artistic activities, such as crafts, woodwork, and painting or drawing, and in passive mental activities such as reading, watching TV or listening to  the radio was also associated with reduced dementia risk, the study found. Creative artistic and passive mental activities both conferred a 7% decrease, according to the study.

“These results suggest that engagement in adult literacy, creative art, and active and passive mental activities may help reduce dementia risk in late life,” the study said.

The people in the study who developed dementia were older, more likely to be men and have lower levels of physical activity and to be in poorer health than individuals without dementia, the study said.

Read: Opinion: This is now the No. 1 preventable cause of Alzheimer’s in America

In 2022, there were 55 million individuals worldwide living with dementia, with 10 million new cases emerging annually, the study said. There’s no cure for dementia. As a result, “identifying new strategies to prevent or delay dementia onset among older individuals is a priority,” the study said.

These findings can help inform strategies for dementia prevention later life in terms of modifying daily routines and activities, the study said.

How the ‘Proust Effect’ Can Help You Study

When you need to remember something important, it makes sense to look around for hacks and tricks to maximize your recall. And plenty of those are out there, but do they actually work? One popular tip involves chewing a certain flavor of gum or spraying an specific scent in the air while you study or work, then using the same gum or scent when it’s time to perform, such as when you’re taking a text or presenting the material you went over. The tip relies on the so-called Proust Effect and if you use it, your mileage may vary.

What is the Proust Effect?

Marcel Proust, a 20th-century writer you may already be familiar with, was the man who came up with the term “involuntary memory” to describe being hit with a memory because of a scent, taste, sound, or other sense-based trigger. As a reward for his efforts, he got this effect named after himself.

It’s a real thing that happens to the best of us: A sensory stimuli, like walking by someone wearing the perfume your mom used to wear, can jolt us into a vivid memory of the past. The phenomenon has resulted in a lot of research, because it’s deeply human but also deeply physiological and scientific.

How do people use the Proust Effect to study?

When you search for studying and memory tips, this one comes up a lot. The University of Nebraska Kearney, for instance, recommends using unfamiliar scents as a “brain booster” by spraying a different scent every time you study a unique subject. Before your test in that subject, spray the corresponding scent because, they say, “this can help you recall information.”

Does the Proust Effect really work for studying and recall?

Here’s the thing: Involuntary memories are more emotional than they are practical. Research shows that olfactory cues are much more effective at triggering emotional memories than visual cues are. The scent of a spray or the taste of a gum might transport you back to when you were studying, but it’s not guaranteed to help you remember the details of what you were studying so much as make you feel the way you felt when you were doing that.

It’s similar to the idea of changing into a designated “study outfit” when it’s time to hit the books in that way: Scents can help you compartmentalize and get in the zone, which can have a positive impact on your focus and output, but they aren’t the magic cure-all to make you remember entire passages of text.

Chewing strawberry gum while you study for chemistry and again when taking your chemistry test is more likely to help you feel like you’re in your chemistry zone than anything, which, again, can be helpful. To really remember what you studied, though, make sure to double up on hacks by using a study technique, such as interleaving or the primacy effect.

Mozilla Developer Network adds AI Help that does the opposite

No result found, try new keyword!Mozilla Developer Network, a widely used technical resource for web developers, this week introduced an assistive service called AI Help, perhaps unaware that its robo-helper gives incorrect ...

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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