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 : H35-660
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Huawei HCIA-5G test Questions


Huawei and 5G: Decision time

By Rory Cellan-JonesTechnology correspondent@BBCRoryCJ

The decision, if it goes against Huawei, could delay 5G roll-outs

It's called the Supply Chain Review and sounds very dull but it could determine the UK's hi-tech future.

As the political temperature around Huawei's role in the UK rises, mobile phone operators await a decision from the government on whether they can continue to use the Chinese giant's equipment.

They expect that ruling to come in late March or early April, when the review of the supply chain of UK telecoms networks to ensure their security and resilience is due to be published.

According to the Department of Digital, Culture, Media and Sport, which is leading the review, it is about far more than Huawei's role in the next generation 5G mobile networks. But that is the only issue about which the mobile operators care.

The operators fear that pressure from politicians concerned about the alleged security threat posed by Huawei, will result in a severe curtailment of their choice of suppliers.

In background briefings with three of the major operators, there has been a constant theme - they know they need to keep Huawei out of the most sensitive parts of their networks, but a blanket ban would be a disaster for the roll-out of 5G and for the UK's role in a vital technology.

Their preparations for the commercial launch of their 5G networks towards the end of this year are well advanced and they are all planning to use plenty of Huawei equipment, not in their core networks but at their phone mast sites and in the kit to link them to the central brain.

Huawei has denied that it poses any risk to the UK or any other country

They want to keep using the Chinese firm's equipment because they like what it offers, not only in price but quality.

"They've two unique advantages," says one technology chief. "They have significantly more engineers working on R&D than other suppliers and they are prepared to innovate for a specific customer. "

Huawei's main competitors are Nokia and Ericsson, but another telecoms operator says "they are seen universally as being well ahead of European vendors".

The operators also believe that the Chinese competition is forcing the European rivals to up their game and say they are fully aware of the security issues around Huawei. They have consulted the experts at the government's National Cyber Security Centre (NCSC) during the procurement process.

"Their advice was if you want to minimise the risk you shouldn't have everything end to end owned by one vendor," explained one company.

The NCSC also advised that some parts of a 5G network were more high risk than others - the operator ended up using a mix of suppliers including Huawei, but kept the Chinese firm away from the most sensitive areas.

But what happens if the Supply Chain Review recommends shutting the firm out of 5G completely? The operators point out that as 5G networks are effectively an upgrade of 4G, where Huawei equipment is pervasive, the consequences would be severe.

"You can't do 5G without 4G - a lot of people don't understand that," says one operator. "You're talking then about a massive replacement programme and a massive delay to 5G for all operators. plus a massive increase in costs as well.

"We would have to go and replace all of the Huawei 4G kit they have and deploy a different vendor's equipment." says another. "We'd have to fully test that different vendor's 5G before they started that process, so that would take another 12 to 18 months."

All agree that this would mean a major delay in the arrival of the next generation networks, at a time when Europe appears ahead of the United States in 5G preparations and well-placed to catch up with Asia.

What they want more than anything else is a commodity that is in short supply for many British businesses right now - certainty.

"We need to start putting kit at the top and bottom of towers and getting it ready," one operator said.

The operators say the first priority must be to keep the country secure but the second should be to make the UK a world leader in telecommunications. Their concern is that shutting out Huawei would make that second aim unattainable.

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Tag: Huawei 5G

No result found, try new keyword!Chinese telecoms giant Huawei is set to roll out its 5G service in several Spanish cities on Saturday, making it one of the first European countries with the ultrafast mobile phone network.

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No result found, try new keyword!Etisalat by e& has partnered with Huawei to unveil the first net zero 5G Massive MIMO site deployment in the MENA region. Powered entirely by renewable energy, this 5G site represents the ...

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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