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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Juniper JN0-1332 : Security Design, Specialist (JNCDS-SEC) exam Dumps

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Exam Number : JN0-1332
Exam Name : Security Design, Specialist (JNCDS-SEC)
Vendor Name : Juniper
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Juniper Design, guide


Shant Madjarian

SHANT MADJARIAN is founder and creative director at Juniper Design Group, based in Brooklyn. With degrees in economics and finance from McGill University, Madjarian spent more than a decade in the banking industry before joining the entrepreneurial world with the launch of Juniper Design Group in 2011. Juniper combines form and function into luxury lighting designs for the architectural market, operating both a New York showroom and Connecticut manufacturing facility.

Design Ideas Submission Guide

No result found, try new keyword!Please read this guide carefully before submitting your Design Idea to maximize its chance of being accepted. One of the really cool things about EDN is the Design Ideas section, where readers can ...

WWD’s Holiday Gift Guide for the Design Curious

MILAN — Iconic gifts with a design-forward vision that are steeped in storytelling make for classic gifts this season. As the world turns to more conscious spending, here is a list of decor items that should last recipients a lifetime.

Fornasetti’s Square Plate Red Lips


Mona Lisa isn’t the only woman in the art world with a mysterious expression. With this unique square plate, actress and soprano Lina Cavalieri’s sensual lips are again the basis of these Fornasetti creations, indicative of the brand’s unmistakably spontaneous pop spirit.

More from WWD

$350, available on fornasetti.com

Form Tea Set by Tom Dixon

Tom Dixon

Designer Tom Dixon has been a fixture on the British design scene since the ’80s when he first created a line of welded salvage furniture. This season, his creativity makes its way to the table with a stainless steel Made in India set that includes a teapot, milk jug and sugar dish and spoon. The Tom Dixon logo is etched on the base.

$365, available on tomdixon.net

Stories of Italy Candle Sticks and Donuts

Stories of Italy

Not your nonna’s Venetian glass. Stories of Italy was founded by Dario Buratto, a former fashion designer who worked for upscale firms like Dsquared2 before defecting and moving to the homeware world. A native of the Veneto region, he sought out master glassmakers in Murano to make his keepsake designs in post-modernist motifs fashioned by hand — made for the holidays this season in the form of small donut candles and candle stick holders.

$225 for the candlestick holders and $662 for a set of three donuts. Available on storiesofitaly.com

Pineider and Colony Notebooks

Pineider x Colony

Pineider, the Italian luxury brand known for paper, writing instruments and leather goods, has teamed up with Rome-based fabrics and wallpaper firm Colony for a selection of notebooks covered in Colony’s luxe hand-painted watercolor imagery and designed in its historic atelier in the Italian capital’s Piazza del Popolo. Three patterns characterize the collection: Melograno (Italian for pomegranate), drawing attention to the world of floral decoration; Papaveri (Italian for poppies), which expresses a fresh and novel approach to the representation of classical styles, and Sogi, which calls to mind Oriental motifs and landscapes.

$102, available on us.pineider.com

Apparatus Censer


Interdisciplinary design firm Apparatus makes Gabriel Hendifar’s chic vision available in the form of a brass chalice that calls to mind the mystery of ancient rituals. Made to endure the test of time, it is also an incense burner from which smoke emerges atop a hand-cased porcelain dome, and doubles as a candleholder.

Priced at $880, the Brass Censer is available on apparatusstudio.com.

Svenskt Tenn Vänskapsknuten Knot of Friendship Candle Holder

Svenskt Tenn

The gift of solidarity may very well be a welcome gesture this season, amid ongoing tension around the world. Before the outbreak of World War II, Austrian architect and designer Josef Frank designed The Knot of Friendship as a symbol of friendship and peace. Today, The Knot of Friendship is made at Humstorp Metal in Västergötland, a province in southwest Sweden and is one of Svenskt Tenn’s most iconic items.

$320, available on svenskttenn.com

Cassina Trinket Tray and Vase by Ico & Luisa Parisi


In the ’60s, architect Ico Parisi and his wife Luisa ventured into the world of ceramics to create decorative art objects. The same effervescent, playful spirit found in Ico Parisi’s furniture designs lives on today in three re-editions of these iconic pieces: a cylindrical vase with an opening in the shape of a mouth; a single-stem vase characterized by a hollow contour in the shape of a hand, and a trinket tray that reproduces the cast of an open hand.

Currently being sold on cassina.com as a design exclusive, it is priced at 481.90 euros for the larger square and 353.80 euros for the cylindrical vase.

Redduo Palo Third-Eye Santo Stone Holder


Hand-stained ceramics by Redduo, the independent homeware brand founded in 2020 by Andrea Rosso and Fabiola di Virgilio, make for the perfect gift for anyone looking to ward off evil spirits.

$260, available on redmilk.space/products/third-eye-plate-stone-black

Christofle’s Chess Set

Christofle's Chess Set

Tea or coffee? Sugar or milk? If you are passionate about your choice of hot beverage, why not duke it out over Christofle’s high silversmithing “Duel des Thés” chess set. Pitched against each other on the chessboard are miniature versions of the Art Nouveau-style Printania and the Art Deco-inflected Courges sets. Precious and entertaining, it is also a design nodding to a lasting mystery in the 193-year-old house: the presence of a knight on the house crest.

250,000 euros, available on christofle.com

Waww La Table


Talk about a conversation start, or rather, starter: with the Assiettes Parlantes 3.0, not only will the tarot design provide a hint of what’s to come beyond the turkey and trimmings, but the plates also come with an Instagram filter that brings them to life.

320 euros for the “Divinity” or “Oracle” set of four plates, or 80 euros per plate, available on waww.fr

Carrières Frères Scented Tapers


The ultimate stocking stuffer, particularly if one of the candelabras struck your fancy, would be handsome tapers. With a rich heritage rooted in both the know-how of the Trudon royal wax manufacturer and botanics, Carrières Frères is offering versions scented with jasmine, cedar, mint or more surprisingly, tomato.

32 euros for a box of six, available on carrieresfreres.com

Mini Memphis Carlton Bookcase by Ettore Sottsass


At a little more than 18 inches wide and 19 inches tall, one can have a taste of the modernist school of Memphis in their own home this season. Modeled after the legendary bookcase by Italian designer Ettore Sottsass in 1981, its junior size is a great way to share his vision, at a more affordable price.

$970, available on artemest.com

Mario Luca Giusti Caterina & Vittoria Salt and Pepper Set

Mario Luca Giusti

Imbuing aspects of the Baroque and Pop Art, Mario Luca Giusti’s synthetic crystal pieces are perfect for a holiday dinner centerpiece, a poolside bash or the interior of a yacht. In addition to the salt and pepper set featured above, the brand’s larger pieces also include an ice bucket.

Priced at 52 euro, available on mariolucagiusti.it.


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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