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 : HPE0-S54
Exam Name : Designing HPE Server Solutions
Vendor Name : HP
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HPE0-S54 test Format | HPE0-S54 Course Contents | HPE0-S54 Course Outline | HPE0-S54 test Syllabus | HPE0-S54 test Objectives

Exam ID : HPE0-S54

Exam type : Proctored

Exam duration : 1 hour 30 minutes

Exam length : 60 questions

Passing score : 66%

Delivery languages : English, Japanese

Supporting resources : These recommended resources help you prepare for the exam:

Designing HPE Server Solutions, Rev. 18.11

The Minimally Qualified Candidate (MQC) for Server Architect at the Accredited System Engineer (ASE) level has advanced knowledge of HPE solutions and underlying technologies, which include CPU, memory, disk, power, networking, management subsystems, data center environments, and multi-site configurations. The typical MQC will have worked in the IT industry in an HPE server environment for at least 18 to 36 months.

Complete the training and review all course materials and documents before you take the exam.
Use HPE Press study guides and additional reference materials; study guides, practice tests, and HPE books.
Exam items are based on expected knowledge acquired from job experience, an expected level of industry standard knowledge, or other prerequisites (events, supplemental materials, etc.).
Successful completion of the course or study materials alone, does not ensure you will pass the exam.

55% Plan and Design Solutions

Based on the customers goal, determine the appropriate information to gather from the customer.

Given a scenario, determine an appropriate tool to size, specify, or build a solution.

Given a scenario, describe how to generate the customer proposal (for example, Bill of Materials, TCO Report, diagrams, Quote, third-party items, power and cooling statistics).

Given a scenario, identify potential design issues with the customers existing environment.

Determine under which circumstances an architect would propose specific industry standard server, storage, network architectures and technologies.

Given a customers long-term vs short-term needs, determine a solution with a possible upgrade path.

Given a scenario, describe the service offerings that meet the business and IT objectives.

Analyze customer information to determine the gap between the existing customer environment and the documented customer needs.

Compare and contrast available HA and DR solutions, match them with the customers business needs, and available budget.

Provide a rationale for a product line within a given solution.

Given a scenario, map the solution benefits to the original customer requirements and respond to customer objections raised by key stakeholders.

20% Install, Configure, and Set Up, Solutions

Evaluate the customer environment to determine POC suitability. (site specific/scenario based)

Analyze the success criteria and proposed POC solution to determine the gap between them.

Describe the steps for implementing the design.

Determine how the design achieves the customers technical requirements and highlight additional improvements identified during design implementation.

10% Troubleshoot Solutions

Given a customer problem, determine an appropriate resolution path.

Explain how to use the appropriate tools to identify a problem.

Describe the correlation between a remediation and its predicted outcome.

15% Manage, Monitor, and Maintain Solutions

Given a customer situation, identify the appropriate management tool to use.

Describe the steps for performing common management tasks.

Interpret collected data for lifecycle management operations.

Interpret collected data to optimize performance and availability.

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Bridge celebrates pupils’ success in national exam

Bridge International Academies has said its pupils performed excellently for the fifth year in a row at the National Common Entrance Exam.

A statement by the school said Alexander Tarhe-Veyan was this year’s highest-performing pupil at Bridge with a total score of 188.

It explained that earlier in the year, Tarhe-Veyan came first place in The Ultimate Mathematics Ambassador competition out of over 1,800 pupils.

“Tarhe-Veyan also participated in the Deeper Life High School Entrance test where he topped the list with an amazing 92% score.”

It added that he was closely followed by Divine Mcanthony who had a total score of 186.

It read, “She was also the best-performing female Bridge pupil. This year, 121 Bridge pupils registered for the exam, 61 males and 60 females. The result of the test further proves the learning equity at Bridge as girls made the same leap in learning as boys.”

Managing Director of Bridge International Academies in Nigeria Foyinsola Akinjayeju, said, “We are immensely proud of their pupils’ outstanding performance in the National Common Entrance Exam.”

“This achievement is a testament to the hard work and dedication of their pupils, teachers, and staff, who strive for excellence every day. It also reflects the power of their holistic methodology, which leverages technology and data to deliver high-quality education to underserved communities,” she added.

Academics Manager, Ezinne Tochie-Asogwa, added,

“Bridge International Academies is committed to ensuring that every child, regardless of their background, has access to a life-changing education. Through its network of schools and innovative learning tools, Bridge has been able to bridge the education gap and empower thousands of children to reach their full potential.

“The consistent success of its pupils in the National Common Entrance test further reinforces the school’s mission and underscores the positive impact it is making in the education sector.”

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Academic Resource Center

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The ARC provides resources and assistance to help students succeed from the first day of classes and continues when they are alumni working towards success on the bar exam.

Academic Success

Though the program at Saint Louis University School of Law is rigorous, SLU LAW provides an avenue for achieving success in learning the law. Academic Success services provide students with the advising, assistance and support they need as they enter and progress through law school. Students can find information on the structure of the first-year program as well as tips and advice on getting accustomed to the curriculum. Information is provided on times and dates of important workshops, and students can find valuable study tools. There are opportunities to learn exam-taking techniques as well as a variety of other helpful law school aids. 

Academic advising is available to all law students. Students may meet with Professor Antonia Miceli or Professor Petina Benigno to discuss any academic issues, including outlining, test preparation and review, curriculum choices and other concerns a student might have. Please contact Professor Miceli or Professor Benigno with a list of times and days you are available in order to schedule an appointment.

Bar test Success

Perhaps you've only briefly thought about the bar test or perhaps you have focused squarely on it. Whatever your position, it's not too late to become informed about the bar test and the steps you can take to prepare for, and succeed on, it.

What is a Bar Exam?

In almost every state in the U.S. and in some territories, recently graduated law students sit for a state bar exam. For instance, if you are interested in practicing in Missouri, you would take the Missouri Bar Exam. The bar test measures a candidate's competency to practice law in a particular state. Successful bar test candidates receive a license evidencing their competency to practice law in a given jurisdiction.

Passing Your Bar Exam

Passing the bar test is a pivotal last step in becoming an attorney. There are many things you can do as a student to achieve this success. Much of the law school curriculum is geared toward providing you with the necessary foundation for success. In addition, most students participate in a commercial bar review course after graduation. This course reviews (and in some cases introduces you to) those subjects that might be tested on your jurisdiction's bar exam.

Beyond Bar Classes and Commercial Review Courses

In addition to what you learn in your law school classes and the commercial bar review courses, SLU LAW offers workshops and programs designed to help you assess and practice the skills necessary for passing the bar.

These workshops cover each part of the bar test — the essay, multiple choice and performance test portions. Thus, you have the opportunity to not only learn the appropriate substance but to also hone the necessary skills related to each portion of the bar exam.

Getting Started

Current students and alumni of Saint Louis University School of Law are encouraged to contact Professor Antonia Miceli, the director of Academic Support and Bar Success, or Professor Petina Benigno, the assistant director, and to participate in the bar preparation workshops and programs as they are announced. Please feel free to stop by Professor Miceli’s or Professor Benigno's office so that you can meet in person.

Additional Resources

Visit the Academic Resource Center Canvas page for resources and assistance from 1L year through passing the bar exam.

In addition, below is a list of resources to help you learn more about the bar exam:


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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