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 : HPE6-A44
Exam Name : Scalable WLAN Design and Implementation (SWDI) 8
Vendor Name : HP
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HPE6-A44 test Format | HPE6-A44 Course Contents | HPE6-A44 Course Outline | HPE6-A44 test Syllabus | HPE6-A44 test Objectives


This course teaches the knowledge, skills and practical experience required to set up and configure advanced features on Aruba WLAN utilizing the AOS 8.X architecture and features. This course includes lectures and labs which provide the technical understanding and hands-on experience of configuring a redundant Mobility Master with two controllers and two APs. Participants will learn how install a redundant Aruba WLAN network with clustering while using many features like Multizone for guest access, voice optimization and tunneled node. This course includes the AirWave management system and troubleshooting commands. The SWDI course provides the underlying material required to prepare candidates for the Aruba Certified Mobility Professional (ACMP) V8 certification exam.

Exam courses | Course Objectives | Syllabus
Introduction
Review courses from the IAW V8 course
AP terminology
GUI Hierarchy
WLAN forwarding modes
Explain the features of AOS 8
MobilityMasterRedundancy
Explain VRRP setup
DB synchronization procedures
Validating MM DB synchronization
MobilityMaster andMCOperations
Grow the network to multiple controllers
Review the configuration hierarchy
MC deployments methods
Explain advanced license features
Multizone
Describe Multizone
Explain Multizone AP functional flow
Describe the functions of primary and data zones
Troubleshooting Multizone setup
Introduction toMCclusters
Reviews advantages of a MC cluster
The cluster leader election process
Defines the MC cluster roles
AP and user mapping into a cluster
Requirements for hitless cluster failover
AP and user load balancing within the cluster
Mobility
Explain standard 802.11 roaming
Describes single and multi-controller roaming
Defines the advantages of cluster mobility
RoleDerivation
Review of policies and rules
Explains role derivation using VSAs
Description of user rules
Description of authentication default roles
Explains how to troubleshoot role derivation
RemoteAccess
Review of all remote access methods RAP/ VIA / IAP-VPN / branch controller
Explains RAP certification and setup methods
Configuration of RAP WLAN
Explores the options for RAP redundancy
Explains how to troubleshoot RAP setup
VIA configuration, downloading and installation
Explains how to troubleshoot VIA setup
VoiceOptimization
Review of voice QOS
Explanation of WMM
Description of UCC Heuristic and SDN API mode
Monitoring and troubleshooting voice connections
Mesh
Explains mesh networks and technology
Configuration of mesh clusters
Administration
Explains management accounts and password reset
Configuration of guest provisioning accounts
The use of authentication using RADIUS or TACACS
Describes how to disable console access
Operations
Explains how to upgrade new images
Describes AP preloading
Explains cluster in service upgrade
Auto roll backs of configuration
Describes loadable in service modules
AirGroup
Explains the Aruba AirGroup solution
Configuration of AirGroup with limitations
Explores the integration with ClearPass
Monitoring AirGroup servers and users
TunneledNode
Explains port based tunneled node
Explains user based tunneled node
Describes the interaction between switches and Mobility controllers
Explains how to troubleshoot tunnel connections
AirWaveIntroduction
Explains the different features of AirWave
The use of groups and folders
AirWave features description
Configuration of device credentials and adding devices
AirWaveNetworkHealth
Explains diagnostic page indications
Describe network health graphs to identify network issues
Performance graphs to help in network planning
The use of clarity to direct administrator to the source of the problem
AirWaveClient andDeviceTroubleshooting
Explains how to find a client and troubleshoot association issues
Diagnosing associated client issues
Investigating client SNR
Describes AP, network and controller diagnosing
Explains how to monitor a MC cluster within AirWave
AirWaveVisualRF, Reports andAlerts
Explains the different VirtualRF display options
Describes the VisualRF application monitoring
Configuration of triggers to create alerts
Generation of 22 type of reports as well as custom reports
Objectives | Syllabus | Outline
After you successfully complete this course, expect to be able to:
Explain the integration Mobility Masters and Mobility controllers
Describe redundancy giving the user seamless failover
Setup secure guest access using Multizone
Explain the uses and advantages of clustering
Describe user mobility in the wireless spectrum
Integrate voice over WiFi and deliver QOS
Explain how roles are assigned to users wireless or wired
Learn to setup remote access using RAPs or VIA
Describe how to create a mesh cluster
Learn the advantages given to AirGroup when leveraged on an Aruba network
Integrating wire users into the security given to wireless users
Learn how to use AirWave to monitor the health of the network
Learn how to useAirWave to troubleshoot client
Explain AirWaves Virsual RF feature as well as alerts and triggers



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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