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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Huawei H12-221 : Huawei Certified Network Professional-Implementing Enterprise Routing Network exam Dumps

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Exam Number : H12-221
Exam Name : Huawei Certified Network Professional-Implementing Enterprise Routing Network
Vendor Name : Huawei
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H12-221 exam Format | H12-221 Course Contents | H12-221 Course Outline | H12-221 exam Syllabus | H12-221 exam Objectives


HCDP-IERN (Huawei Certified Datacom Professional — Implementing Enterprise Routing Network) Training

Such training aims to provide guidance to participants in learning contents related to the HCDP-IERN exam (HC-221 HCDP-IERN). The training covers IPv4 address planning, OSPF, IS-IS, and BGP routing protocols, routing and routing control, multicast routing protocols, knowledge and networking application of Huawei routers.



l HCDP-IESN (Huawei Certified Datacom Professional — Implementing Enterprise Switching Network) Training
Such training aims to provide guidance to participants in learning contents related to the HCDP-IESN exam (HC-222 HCDP-IESN). The training covers basic principles and configuration of Ethernet, VLAN, STP/RSTP/MSTP, 802.1X, DHCP, MPLS LDP, and MPLS VPN technologies, their application in an enterprise network, knowledge and networking application of Huawei Ethernet switches.



l HCDP-IENP (Huawei Certified Datacom Professional — Improving Enterprise Network Performance) Training
Such training aims to provide guidance to participants in learning contents related to the HCDP-IENP exam (HC-223 HCDP-IENP). The training covers the knowledge of network security, advanced network technologies such as HA and IP QoS, and knowledge and networking application of Huawei security products.



l HCDP-Fast Composite Certification (Huawei Certified Datacom Professional —Fast Composite Certification) Training
Such training aims to provide the fast track for the participants with other vendor certificate. The training content covers the knowledge of HCDP-IESN, HCDP-IERN and HCDP-IENP.



3. Training Related to HCDP-Carrier IP Certification



l HCDP-BCAN (Huawei Certified Datacom Professional — Building Carrier Access Network) Training
Such training aims to provide guidance to participants in learning contents related to the HCDP-BCAN exam (HC-121 HCDP-BCAN). The training covers Ethernet, STP/RSTP/MSTP, VLAN, and access authentication technologies, and their implementation in Huawei products.



l HCDP-BCRN (Huawei Certified Datacom Professional — Building Carrier Routing Network) Training
Such training aims to provide guidance to participants in learning contents related to the HCDP-BCRN exam (HC-122 HCDP-BCRN). The training covers the principles of general dynamic routing protocols such as IPv4/IPv6, principles of routing and routing control, and their implementation in Huawei products.



Definition of HCIP-Routing & Switching(Fast Track)
HCIP-Routing & Switching-Fast training covers advanced knowledge and skills required for enterprise networks. HCIP-Routing &
Switching-Fast certified engineers are capable of building complete small- and medium-sized enterprise networks that fully
integrate the voice, wireless, cloud, security, and storage applications required by enterprises, meeting the networking
requirements of various applications, and ensuring high security, availability, and reliability.



Positioning

HCIP-Routing & Switching-Fast Focus on network fundamentals, principles of switches and routers, TCP/IP protocol suite,
routing protocols, access control, troubleshooting of network faults, and installation and commissioning of Huawei routing and
switching equipment. HCIP-Routing & Switching-Fast certificate holders will have enhanced abilities in terms of comprehensive
planning, configuration, O&M, and troubleshooting on medium- and large-sized networks.



Why HCIP-Routing & Switching(Fast Track)=>

Quick buildup of comprehensive skills in project planning, design, implementation, O&M, troubleshooting, and optimization
that are needed for technology directors (TDs) of small- and medium-sized projects and technology engineers (TEs) of large
projects.

• Well-developed competence as a senior network engineer for small- and medium-sized enterprise networks.

• An in-depth understanding of small- and medium-sized enterprise networks and general network technologies, and the
ability to design small- and medium-sized enterprise networks and implement the design using Huawei network equipment.

• Network engineers with HCIP-Routing & Switching-Fast certification are of special importance to the business development
of enterprises.



Content

The HCIP-Routing & Switching curriculum includes the following: Fast Deployment of Enterprise Routing Network (OSPF, ISIS,
BGP, IP Multicast, Route Control), Fast Deployment of Enterprise Switching Network (Advanced Features of Switches, RSTP,
MSTP), Improving Enterprise Network Service Bearer Capability (MPLS, MPLS VPN), Optimizing Enterprise Network Access
Control and Manageability (DHCP, eSight, Agile Controller), Improving Enterprise Network Service Quality (QoS), Improving
Enterprise Network Security and High Reliability (Firewall Technology, VRRP, BFD), Next-Generation Enterprise Network
Development Trends (SDN, VXLAN, NFV), Implementing Enterprise-level Network Engineering Project (Network Planning,
Network Design, Network Implementation, Network Maintenance, Network Troubleshooting, Network Optimization, Network
Migration).



Examinees can update the validity date of the certificate in any of the following cases:

• Pass any exam of the current certification.

• pass any exam of the higher level certification which from the same technical direction of the current certification.

• pass any exam of the same or higher level certification which from the ICT Infrastructure Certification.



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Huawei Enterprise Free PDF

 

Huawei: We're Still Building Their U.S. Enterprise Business, Channel

Huawei says it's still interested in developing its U.S. enterprise business, despite exact comments from one of its top executives that suggested the company had given up on doing business in the U.S. market.

At a conference in Shenzhen, China earlier this week, Huawei Deputy Chairman Eric Xu told analysts that Huawei is "not interested in the U.S. market anymore," as reported by Reuters. Xu also said Huawei had cut its U.S. enterprise sales target for 2017 from $15 billion to $10 billion.

Francis Hopkins, director of corporate communications for Huawei's U.S. headquarters in Plano, Texas, told CRN Wednesday that Xu was referring to Huawei's U.S carrier network business, particularly business with Tier One operators, and not Huawei's U.S. enterprise business.

Huawei not only plans to continue doing business in the U.S., it's also expanding its enterprise marketing efforts and looking to build its partner channel, Hopkins said in an email.

[Related: Symantec To Sell Stake In Huawei Symantec Joint Venture To Huawei ]

Huawei is planning to showcase its servers, storage, and networking gear at the Spring Interop 2013 conference next month, Hopkins said in the email. Later that month, Huawei will hold its first partner conference under its own brand, a follow-up from the one it held two years ago when it was known as Huawei-Symantec.

Huawei's decision to lessen its focus on the U.S. carrier market isn't surprising. The U.S. government has been scrutinizing Huawei's close ties to China's government and the security implications of Huawei providing U.S. carrier infrastructure.

Hopkins said Huawei's global carrier network business is primarily from developed markets outside the U.S.

"The situation in the U.S. is the same today as it was a week ago, a month ago, etc., and [Xu's comment] reflects the realities of their carrier network business in the U.S.," Hopkins said in the email.

"Simply put, the current U.S. market environment makes it difficult for this market to become a primary revenue source or a key growth area for their carrier network."

NEXT: Channel Concerns Based On Past Huawei-Symantec Experience

Huawei-Symantec was a joint venture between Huawei and Symantec, the U.S.-based security vendor. Symantec in late 2011 sold its stake to Huawei, which then closed down operations in the U.S. except for servicing existing customers.

Jeanne Wilson, president of Condor Storage, a Sedona, Ariz.-based solution provider which partnered with Huawei-Symantec in the past, said she is taking a wait-and-see approach to Huawei.

"When Huawei laid its storage people off, they were caught unawares," Wilson said. "All they left us was a phone number for support.

Glenn Conley, president and CEO of Metropark Communications, a St. Louis-based solution provider, said he took the Huawei corporate comment as more focused on the carrier side, and not on the enterprise side.

"Over the last year, I have had multiple [Huawei] guys fly directly from China to here at Metropark and start going through what are the things they need to compete in North America, and start laying out the routers and switches and putting together a suite of products," Conley said. "And now they are having a partner summit, and I know they are putting some money into the Interop show in Vegas. So it sounds like they are shifting their focus more from the carrier side to the enterprise side, and I love that."

Conley said half of his customers raise security concerns when buying Huawei products, and half do not.

"The half that don’t ask, they couldn’t care less, as long we're providing a decent solution to them," he said. "The ones I am having conversations with, on that level, they're saying, well if the government is going to come in and say I can't buy from them or I shouldn't buy from them, then maybe they should look at them extra hard. "

Kristin Bent contributed to this article.


Best PDF editors 2024: Their top picks

It’s likely that you regularly come across or work with PDF files—they’re ubiquitous in their modern cross-platform world. Most of the time, when viewing a PDF, you can enjoy free software that allows you to read or comment on these files. But what if you need to edit them as well? That’s where a PDF editor comes in.

The best PDF editors allows you to edit, create, alter, and convert PDF files just like you would with any other text document. Adobe Acrobat is the most famous option for most people. But while it’s excellent both in features and utility, it’s also pretty expensive. Thankfully, in exact years a whole host of third-party PDF editors have sprung up in order to provide less expensive alternatives.

Here at PCWorld we’ve tested many of these top PDF editors and curated a list of the very best. With different use cases in mind, we’ve included picks for the best overall, best budget option, and even a recommendation for the best free PDF editor—because sometimes you just don’t want to pay for the basics. Check out their recommendations below to find the best PDF editor for you.

Update 12/18/2023: To include Foxit PDF Editor 13 as their new choice for best overall PDF editor runner-up. Read more about this excellent alternative to Acrobat in their summary below.

Adobe Acrobat Pro DC – Best overall

Pros

  • Easily navigable tabbed interface
  • Comprehensive PDF editing features
  • Streamlined sharing feature makes it easier to fill documents and get signatures
  • Cons

  • Rich feature set can be overwhelming for new users
  • Price When Reviewed: $19.90/mo I $239.88/yr

    Adobe Acrobat Pro DC remains the industry standard for good reason. Its rich combination of creation, editing, reviewing, and security features are mimicked by the best alternative options, but they feel Acrobat still does it best. Its exact interface redesign makes it much easier to navigate through its robust toolset than the nested menus of yore, and its cloud subscription option puts its advanced features within reach of more individuals and small businesses. (See how it compares to the Adobe Acrobat Standard DC.)

    Though many of its features are available in other, cheaper PDF editors, Acrobat is still the editor against which all others are judged.

    Read their full Adobe Acrobat Pro DC review

    Foxit PDF Editor 13 – Best overall runner-up

    Pros

  • Multi-platform
  • Business-ready capabilities
  • AI integration helps with document editing
  • Cons

  • Can be expensive depending on product license
  • Price When Reviewed: $179.99 (Standard version, perpetual license)

    Foxit PDF Editor 13 hits all the right notes for a premium PDF editor and can even take on the formidable Adobe Acrobat. It’s packed with features that are sure to please power users—all the requisite content editing tools; review and markup features; form fill and signing support; and robust security options for sensitive documents, such as permissions, password protection, and data redaction. It supports tons of file formats, and adding hyperlinks, images, and files to a PDF is trouble-free.

    Indeed, ease-of-use is one of Foxit’s great strengths. The program uses a Microsoft Office-style ribbon interface which groups tasks in a familiar and intuitive interface, making for a seamless integration with your workflow. It also provides ChatGPT integration so you can easily get help with your documents from an AI assistant. Yes, it’s priced on the higher side for a PDF editor, but with all it has going for it, Nitro PDF Pro more than earns its keep. Plus, you can try it out for free for seven days to see if you like it before making a commitment. If you’re looking for an Acrobat replacement, you won’t find many better.

    Read their full Foxit PDF Editor review

    EaseUS PDF editor – Best budget option

    Pros

  • Full set of editing tools
  • Annotation options enable easy collaboration
  • Straightforward interface
  • Cons

  • Windows only
  • Needs subscription to remove usage limits
  • Price When Reviewed: Free I $29.95/mo I $49.95/yr I $79.95/lifetime

    EaseUs might not have the name recognition of some of the other editors on this list, but it’s more than capable of holding its own in the crowded PDF editor market. It provides all of the essential tools for managing PDF files without any of the elaborate or hard-to-understand features. It allows users to jump right in to their toolset and get straight to editing with only what they need.

    While EaseUS’s features are great, they are also pretty standard fare among PDF editors. What makes it stand out is its affordable price—it’s a great value for those who regularly edit PDFs and don’t want to pay out the nose. EaseUS also offers a fully functional free version (with embedded watermarks on your edited documents) so users can take it for a spin to see if it meets their needs before they commit to paying any money.

    Read their full EaseUS PDF Editor review

    PDF Candy – Best free option

    Pros

  • Many advanced features
  • OCR capability
  • Very easy to use
  • Cons

  • No Mac support
  • Free trial only offers basic features
  • Price When Reviewed: Free

    PDF Candy is the rare free PDF editor that offers a lot of the features you’d typically have to pay for. We’re talking scanning, multiple file-conversion options, and OCR functionality. All of this combines to make PDF Candy stand out among the multitude of lesser free PDF editors. It does have a bit of a wonky interface, but once you get the hang of it you’re off and running.

    Unfortunately, while the free version has access to the expansive toolset of the paid version, you’re limited to one PDF task per hour. If you want unfettered access, you need to shell out $6 per month, or $48 per year.

    Read their full PDF Candy review

    PDF Expert – Best full-featured editor for Apple devices

    Pros

  • Syncs across Mac, iPhone, and iPad
  • Comprehensive editing and annotation tools
  • Simple, intuitive interface
  • Cons

  • Requires annual payment
  • Lifetime license enables use on Mac only
  • Price When Reviewed: Free 7-day trial, then $79.99 annually

    PDF Expert is an excellent editor that fits seamlessly into the Apple ecosystem, making it their pick for Macs, iPads, and iPhone users.

    While macOS does include a PDF editor in its Preview app, iOS devices don’t have a native PDF editor and PDF Expert fills that gap nicely. It has a clean and intuitive interface and offers a plethora of easy-to-use editing options such as page management, converting scanned files into editable documents, and conversion to other file formats, among other things. The pricing plan is also considerably cheaper than most of the other top picks, meaning this is a no-brainer for Apple users.

    Read their full PDF Expert (iOS) review

    Apple Preview PDF editor – Best free option for Mac users

    Pros

  • Full set of PDF markup tools
  • Supports form filling
  • PDFs can be protected with passwords, encryption, and permission controls
  • Cons

  • Limited native sharing options
  • Only available to Mac users
  • Price When Reviewed: Built into macOS

    Mac users needn’t look beyond the macOS for their PDF editing needs, since there is a full set of PDF markup tools already available at their disposal in Apple Preview. It has the chops to handle most personal and business PDF editing needs, including encryption, password protection, and permissions for files.

    Apple Preview’s PDF features and capabilities are impressive and should be all you need for most common editing tasks. The drawback, of course, is that only Mac users can take advantage of them.

    Read their full Apple Preview PDF editor review

    pdfFiller – Best web-based editor

    Pros

  • Intuitive web-based interface
  • Robust security options
  • Lots of business-ready capabilities
  • Cons

  • Business features won’t be needed by some users
  • Requires annual commitment to get best value
  • Price When Reviewed: $8 per month (annual commitment) I $20 per month (cancel at any time)

    pdfFiller is a browser-based PDF editor that allows you do to just about everything PDF-related—editing, securing, sharing, creating, and storing PDF files—all from its intuitive and simple web interface. Its design is similar to a desktop app, with the toolbar across the top, and document thumbnails along the side, so it’s very easy to select the page you want to work on and perform the desired function, be it adding, deleting, or copying/pasting text; changing font style, size, and color; and so on. A standard set of markup tools is also available. It has a surprisingly deep set of features for both personal and business use. For instance the Premium plan offers an impressive legal document library, as well as SignNow support.

    While incredibly versatile, not all of pdfFiller’s advanced features will suit everyone. Fortunately, there are three subscription tiers, which gives users a way to meet their editing needs without paying extra for unnecessary features: Basic for $8/mo; Plus for $12/mo; Premium for $15/mo with an annual commitment. Month-to-month options are also available, but at a higher cost, of course.

    Read their full pdfFiller review A word about online PDF editors

    Why spend a chunk of change on a desktop editor when free online PDF editors abound? The simple answer is because you get what you pay for. Generally, free online editors will let you add text and comments, merge and split documents, and convert files to and from PDF. With rare exception, however, they won’t let you edit existing text and many have file-size and page-volume restrictions. And a lot of them will watermark your edited document. For these reasons, web PDF editors are best reserved for simple, fast editing jobs. Call in these big dogs for anything more demanding.

    What to look for in a PDF editor

    PDF editors come in a variety of flavors, offering varying feature sets—from basic functionality to power-user tools. It’s important to know what features best match your workflow before you commit to a PDF editor.

    Create, convert, and export PDFs

    The most fundamental function of a PDF editor is to make PDFs, either from scratch, scanned hard copies, or by converting digital documents. A good PDF editor should be able to transform a variety of file types—from Microsoft Office formats to images to HTML—and do so seamlessly, preserving the original formatting. It should also include OCR technology to make the PDF text searchable and editable. Likewise, a good PDF editor must be able to export PDFs into other editable formats such as Microsoft Word and PowerPoint, HTML, or plain text, maintaining the original files hyperlinks, images, and other elements.

    Content editing

    Another bit of magic that PDF editors unlock is the ability to modify text; insert, resize, and move images; and reorganize pages in the PDF. A good one will perform these tasks as easily as in a text document or slide deck, allowing in-line editing, dragging-and dropping graphics, and adding or removing hyperlinks.

    Review and annotate

    A good PDF editor should also let you or anyone else using it add comments and other annotations to PDF files during review. It should have tools to mark up both text documents and graphic-heavy files like webpages. Common options include sticky notes, callout boxes, highlighting, freehand drawing tools, and stamps with messages like “approved,” “revised,” and “confidential.”

    Security

    All businesses deal with documents containing sensitive data. Look for a PDF editor that includes security features that allow access for authorized eyes only. Good options will usually offer several levels of security, including password protection, permissions setting, and content redaction, which “blacks out” selected text and images. Most PDF editors will also offer one or more ways to electronically sign documents.

    Mobile support

    While deep PDF editing is best done on a desktop, it’s nice to be able to review and annotate files when you’re out and about. While PDFs can typically be reviewed in any PDF reader or editor, regardless of which one they were created in, consider looking for an editor that has a dedicated mobile app, is optimized for mobile devices, or allows cloud access to features through a mobile browser.

    One of the great things about a PDF is that it can be read and edited in any PDF program regardless of which one it was created in. So beyond the features outlined here, let your personal preferences guide you in making your decision.

    FAQ 1. What is the difference between a PDF document and a PDF form?

    While there are a number of different types of PDF file formats, they all fall under the umbrella term of PDF documents. A PDF form is a type of PDF document that has editable form fields a user can fill out. Typically, parts of the document are static and can’t be changed in a PDF form, such as questions in a survey or instructions about filling out the form. In a PDF form, the content fields a user fills out are open to editing and can offer a list of possible answer options or can be written in freely.

    2. Are PDF documents and Word files different?

    Yes. They are two entirely different document formats. While you can export from one file format to another, they are not the same. Word file formats are usually used for word processing, editing, and making changes to text. PDF documents on the other hand, are most often utilized for viewing, sharing, and printing. Additionally, Word files are read and write and contain some version of the “.doc” file format. Whereas PDF files are typically read-only and contain the “.pdf” file format.

    3. Can you protect PDF documents from being edited by other people?

    Yes. If you have a PDF document that you don’t want anyone else to edit, you can protect the file. You can do this by opening the file in Acrobat, for instance, and clicking Tools > Protect. Then you have a few options as to whether you want to simply restrict editing with a password, or if you want to encrypt the file for further safety. Once you choose how you want to protect the PDF document, you can set a password and save.

    4. Can you merge PDFs with a free PDF editor?

    As a matter of fact, many free PDF editors allow you to merge two or more PDFs into one document. Such is the case with their top free pick PDF Candy. Open up the PDF editor application or website in your browser and search for the Merge option. It will then ask you to add the files of all PDFs you wish to merge. Once the files have been added, arrange the page order and alignment before proceeding with the merge. Afterwards, all of your previously PDF files will be merged into one new PDF document.

    5. Does Google have a free PDF editor?

    Yes and no. Google doesn’t provide a designated free PDF editor itself, but there are third-party Chrome extensions that you can use to help get the job done. Alternatively, you can make use of Google Drive to edit a PDF document. Simply upload the document onto your Google Drive and then select the file and right-click and select Open with > Google Docs. The file will be opened as an editable Google Docs text document. Then just make your edits and when you’re finished click File > download >PDF Document to revert it back to a PDF file.

    This method is a quick and easy way to edit a simple PDF document, but be careful as Google Docs can run into formatting issues if your original document has complex visual formatting such as tables and graphs. In this case, it is best to use a designated free or premium PDF editor.


     




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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