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 JN0-351 : Enterprise Routing and Switching, Specialist (JNCIS-ENT) exam Dumps

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Exam Number : JN0-351
Exam Name : Enterprise Routing and Switching, Specialist (JNCIS-ENT)
Vendor Name : Juniper
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Juniper Routing study tips


Juniper Will Buy Routing-Solutions Provider 128 for $450M

No result found, try new keyword!Juniper Networks is set to acquire routing-solutions provider 128 Technology for $450 million to expand its AI enterprise-network portfolio. Juniper Networks also will assume 128 Technology's ...

Tips on Take-Home Exams

You may find yourself taking exams "at home" this semester, or least away from the classroom. But the name “take-home exam” has a specific meaning. Unlike in-class exams that are given at a designated time, take-home exams are generally more flexible. You’re given a set of questions or problems several days in advance of the due date; you work on them gradually, taking as much time as you think is appropriate to prepare, write, and revise your answers. Take-home exams are a pretty standard feature in Humanities and Social Science classes. In the document below, however, they attempt to supply advice that will be helpful in the Sciences as well.

Prepare, Think, Write, Revise:  This is your mantra.  As soon as you open your take-home exam instructions, read them carefully; read them multiple times.  Then close the screen and jot down the instructions in your paper notebook in your own words. Make double and triple sure you understand the following:

  • About how long you should take to work on the exam;

  • Whether you’re allowed to consult sources other than your primary studying for the class;

  • How you should cite your sources;

  • Whether or not you’re allowed to consult a peer tutor as you work on the exam (W, Q, S consultant, Peer Advisor, STEM guide, TA);

  • How long (how many words) are expected for each answer; and

  • Exactly when the exam is due, and how it is to be submitted.

  • Read the questions.  Take a walk. No cell phones on this walk.  As you walk, think about the questions (or do one question at a time, one question per walk).  Pull out your handy pocket paper notebook and jot down ideas from time to time.  Remember: if you want to do well, leave your cell phone at home. Trust me on this. 

    I find it helps to decide on a number of ideas to aim for.  Walk until you have come up with, say, three points you know you want to make as you answer the question, and three examples you could use to support your ideas.  (If you think of more than three ideas along the way, rejoice.) The numbers help you organize your ideas into categories, and supply you a rough outline to work from. Of course, good essays are not a mechanical list of three points!  This is simply a way to get started -- a way to sort out the many ideas that may be darting through your mind.

    After you’ve drafted your essays (or solved your problems), get a good night’s sleep.  Revisit your work the next morning; edit for clarity; and add details that support your argument.  

    -- Professor Marnie McInnes, English and Peer Advising 

    General Strategies for Take-Home Exams in Q Courses

  • Once you’ve completed the exam, double check that every question has been answered

  • Double check that each question has the answer you want associated with it.

  • Where you can, check your solutions by re-substituting them into the original givens.

  • Ask if the problem admits of a trivial solution.

  • Ask if the problem admits of a non-trivial solution.

  • Answer the question asked and not some closely related question.

  • Does your answer make sense?  Does it fall within a natural upper and lower bound?

  • If you can, execute the code. Check its values for special cases.

  • Did you cover a similar problem in class, lab, or as homework? How is this exam problem similar or different?

  • -- Professor Ash Puzzo, Philosophy and Q Program

    From a Math Major’s Perspective

    I usually start my take-home as soon as possible. I know that the take-home exams, especially in Math and Science, are generally designed to be more challenging than in-class exams. Thus, starting work on the exam early gives me more time to think through the exam questions. I take advantage of the extra time by double-checking my answers. 

    Choosing a good workplace is very important. Find a location that is quiet and free of distractions, including other students. I had one interesting take-home exam experience which I will never forget. I was doing my Statistical Model Analysis exam in a busy airport, between two of my flights. I was definitely tired, rushed, and distracted by the noisy passengers and boarding calls every few minutes. It was much harder to focus on the exam questions in the airport than in my quiet dorm room. Thus, finding a good location (and stable Wi-Fi) is the key to doing well. Of course, the tips for general test-taking still apply: have a good rest and get fully prepared before you start to take the exam.

    -- Angela Xinye Yang ‘21 

    Purdue Owl

    I like the advice the Purdue Owl provides for writing essays during in-class exams.  Their detailed examples and strategies work equally well for take-home exams.  Purdue University Online Writing Lab

    -- Professor Susan Wilson, Communication & Theatre, S & W Programs

    For Classes with a Great Deal of Reading:

  • Prepare a study guide with all the terms discussed in class with detailed notes on each term.

  • Set aside enough time to prepare for, as well as take, the exam.

  • Take the exam a few days before the deadline so that you’ll avoid feeling rushed.

  • Make sure to understand the exam rules, as you won’t be able to visit your professor during office hours to ask questions. Before the exam begins, be sure to clarify any uncertainties with your professor via email.

  • A lot of take-home exams ask you to write essays; thus try practicing your writing before you take the exam itself. Sift through your notes, craft a good question based on a few key points from the class, time yourself, and write an essay answer to your question. This is a great way to both study the material and practice timed writing.

  • Make sure you supply yourself a nice, quiet space with a good Wi-Fi connection. It’s easy to get swept up in conversation with your roommates and friends and lose track of time, so make sure you can get to a place that will be conducive to work. 

  • -- Tarinni Kakar ‘21 

    The Psychology Behind It All

    The most important part of the take-home exam is the preparation that comes beforehand.  Make sure to keep up with class reading, take organized notes, and ask any questions you may have. Having a good base of information to use during the exam sets you up to really focus on each question one by one instead of combing through the textbooks on your desk.

    I used to make the mistake of relying too heavily on the “open-book” policy that often comes with take-home exams, until I realized that the answers are not always in the reading. You have to understand the material and fully ingest what it's saying.  Use books and notes only as an aide to check details, facts, and figures. 

    Also remember that your brain can get tired. Many professors are adding additional and more complex questions because they know that you have more books and notes than you would have in the classroom. Use being at home to your advantage: take a break every now and then. Taking a break allows you to come back to questions with a fresh set of eyes, correct mistakes, and, if need be, add new points. 

    -- Helina Samson ‘22

    Preparing to Take Your Online Exam

  • Before taking this exam, make sure that you have studied and spoken to your professor if you have questions. 

  • Find a quiet place where you can focus without distractions. 

  • Make sure you are prepared with all the materials you will need to do well on this exam: a charged laptop, textbook, notes, a pencil, and blank pieces of paper. 

  • Typically take-home exams are more flexible and supply you extended time to finish. Take advantage of this and figure out roughly how long it should take you to complete each section. After spending a set amount of time on one section, move on to the next section even if you haven’t quite finished. 

  • By sectioning your time, you allow yourself to move forward without spending too much time on a single problem. When you have successfully made your way through the entire exam, you can go back to your unfinished sections and try again with a new set of eyes. The extra time benefits you:  if you are really struggling to complete a problem, you can walk away from the exam and return later with a clear mind. I find a great way to clear my head is by taking walks without my cellphone or sitting outside and getting some fresh air. 

    -- Olivia Neal ‘22

    10 Juniper Earnings Takeaways: New CFO, Revenues Up 20 Percent, Shares Plummet

    The Ultimate Mixed Bag

    Juniper Networks' fourth-quarter earnings report brought big highs and major lows.

    On the downside, longtime CFO Robyn Denholm revealed her impending departure, while the networking vendor's guidance for the next quarter made its stock plummet. But on the plus side, Juniper reported positive year-over-year growth across the board -- from switching and security products to a whopping 25 percent spike in its service provider business.

    CEO Rami Rahim was bullish on Juniper's quarter and outlook for 2016. He also gave his thoughts on telecom giants' joining the Facebook Open Compute project as well as what Juniper's acquisition of BTI Systems means for its software business.

    Here, CRN presents 10 takeaways from Juniper's earnings report, plus a bit of partner perspective.

    New CFO

    After more than eight years as Juniper's CFO, Robyn Denholm is leaving the networking vendor. Juniper appointed longtime executive Ken Miller (pictured) to succeed Denholm.

    "Ken has been with Juniper for 16 years and it extremely qualified for the position," said Andrew Fisher, CEO at Myriad Supply, a New York-based solution provider and Juniper partner ranked No. 289 on the CRN 2015 Solution Provider 500 list. "We don't expect there to be any changes affecting the channel."

    Denholm is staying on with Juniper until the summer to ensure a smooth transition, according to Rahim.

    "We have accomplished a lot over this time, and I feel really good about where the company is positioned and the financial and operational discipline that is in play," said Denholm during the earnings call. "I also believe that the company is in great hands with Rami and with Ken as they move forward."

    Negative Guidance For Q1; Stocks Plummet

    Although Juniper beat Wall Street estimates for the fourth quarter, its guidance for the current quarter was below consensus because of the uncertainty of the global macroeconomic environment and potential "lumpiness" of customer investment patterns. Juniper is expecting first-quarter fiscal year 2016 revenue of $1.17 billion, about $20 million below the consensus of $1.19 billion.

    "The macro volatility we're seeing is really widespread, and it touches pretty much all of their customers across verticals and different geos as well," said Rahim.

    After the weaker-than-expected guidance and the news of the departure of the CFO, stocks plummeted in overnight trading, from $26.54 before the earnings report to $22.17 on Thursday morning. As of close Thursday, the company shares had climbed slightly, to $22.46.

    Facebook To Take Over The Data Center?

    AT&T, Verizon and Deutsche Telekom all signed on to back Facebook's Open Compute project, an open-source data center design. By bringing on the telecom giants, Facebook seeks to create low-cost data center gear that could put Cisco's leadership position in the carrier infrastructure space in jeopardy.

    When questioned about the potential impact on Juniper, Rahim said there's not going to be an "overnight shift in the business model," although he does believe the world is shifting toward a white-box switching model.

    "We are taking the steps necessary to make sure that in a world where white-box switching starts to become more prominent, that they will be able to participate, to add value and of course create shareholder value from that transition," said Rahim. "Overtime, business models will adjust so that more of the value is going to be monetized through software, and we're taking meaningful steps in that direction."

    BTI Acquisition Will Advance Software Push

    Juniper made its first acquisition in more than two years this week with the purchase of software networking specialist BTI Systems for an undisclosed amount.

    By combining Juniper's data center switching and IP routing platforms with BTI's cloud and metro networking systems and software, Rahim said, Juniper expects to "transform" packet optical networking with open-software-driven solutions that are automated, highly programmable and cost-efficient, and that offer service agility.

    "Our increased focus on software business models will result in an increase in software revenue as a percentage of total revenue over time," said Rahim.

    Partners said the acquisition will boost the channel's software sales moving forward.

    Switching Up 21%

    Juniper's switching revenue grew 21 percent year over year, jumping from $174 million to $210 million.

    "I am bullish on their ability to grow this part of their business," said Rahim. "If you look at where the opportunity lies, it's mostly in the data center and the cloud. This is true for all of their vertical market segments, whether it's their telecom operators that are building out their next-generation distributed cloud architectures transforming their network locations to scale out data centers. … Certainly true for enterprises that are moving to a hybrid cloud architecture. I think they can benefit from that."

    For the overall fiscal year 2015, Juniper switching rose nearly 7 percent from fiscal year 2014, increasing from $721 million to $768 million.

    "That is largely without the benefit of the new spine switches, which they expect to ramp [up] in this year," said Rahim.

    Routing Up 24%

    Routing jumped 24 percent year over year, from $523 million to $647 million in the fourth quarter.

    "In routing over the last few quarters, we've been taking market share, and I think that's because of the strength of their product portfolio and the engagement that we're having with their service provider and enterprise customers around the world," said Rahim. "Last quarter was a great quarter for the MX and the PTX. This quarter is another fantastic quarter for the MX. So there are really two routing product lines that are humming right now in terms of the business momentum that they are building."

    "Both have fantastic road maps and both are hitting the market in terms of both the software capabilities [and] the services -- and the density and the performance," he said.

    For the overall fiscal year 2015, Juniper routing rose 6 percent from fiscal year 2014, from $2.22 billion to $2.36 billion.

    Security Up 20%

    A significant push for Juniper in 2015 was in security. The vendor grew its security revenue by 20 percent year over year, from $96.5 million to $116 million.

    "Cybersecurity is top of mind for organizations of all sizes. Investing in security is imperative for their customers and Juniper strategy. They believe the future of security is intimately tied to the network, and they are investing and innovating in their domain solutions with that direction in mind," said Rahim. "Security grew 5 percent [for the] full year, year-to-year comparison, and I think that's not an accident."

    Rahim also said its Sky Advanced Threat Prevention, an advanced malware protection cloud-based solution, is in beta but will start shipping shortly.

    "There, you're going to see a rolling thunder of security enhancements that they will make across managements, where they knew that they have some work to do to better penetrate the enterprise with … next-gen firewall capabilities," said Rahim.

    Data Center Market Growth

    Rahim said he believes the biggest opportunity for Juniper lies in the data center.

    "I'd say the biggest areas of focus -- and where their competitive differentiation is going to be greatest, as well as where their go-to-market attention is also the highest -- is in the data center opportunity," said Rahim.

    He said cloud providers are moving from 25GbE to 50GbE inside their data centers. Its new QFX5200 Data Center Switch and recent disaggregated version of its flagship Junos solution is resonating with customers.

    "If you look at their switching market share, although it's actually nudging up, we're still relatively small, and for that reason, the opportunity for us to penetrate into the data center with switching products … interconnects with their MX product line as well as some of the packet optical architectures. … Data center is in fact the area where they are strongest today from a security standpoint," said Rahim. "We expect revenue to start ramping [up] this year."

    Service Provider, Enterprise Markets Climbing

    Juniper's enterprise and service provider business both increased during the fourth quarter. Its service provider revenue grew 25 percent year over year, from $744 million to $933 million. Juniper's enterprise sales rose 8 percent compared with the year-ago quarter, jumping from $357 million to $386 million.

    "For telcos in particular, the most important thing they need to do is to make sure that they remain extremely relevant to the next-generation architectures that they are now contemplating and will eventually deploy," said Rahim. "Things like cloud CPE, things like deploying [software-defined networking] and transforming their network locations to data center-like entities, I feel really good about the level of engagement that they are having with their telco operator to be able to capture that opportunity when it becomes real."

    Myriad Supply's Fisher said Juniper products have "proven to be huge" in the service provider space.

    "Their Contrail automation and orchestration solution, for example, has gained significant traction in the service provider space, and is viewed as one of the more promising solutions in the market," said Fisher.

    Bullish CEO

    Rahim was bullish in his predictions for Juniper this year.

    "In 2016, they plan to continue to capture inflection points in the industry that will help to accelerate their existing strategy. They planned to do so through continued execution and product innovation as well as partnerships and tuck-in acquisitions when appropriate that complement their organic R&D strategy," said Rahim.

    Rahim says he sees new growth opportunities in the data center interconnect and metro Ethernet markets. "We're still sticking to their long-term outlook, which includes 2015, 2016 and 2017, of the 3 percent to 6 percent [annual] revenue [increase]," he said.

    Myriad Supply's Fisher also is upbeat about Juniper's prospects. "We met with Rami [Rahim] recently at Ideas/Connected [partner conference] in Miami and feel extremely positive about Juniper's portfolio, including forthcoming developments around security," he said.

    Juniper's overall 2015 fiscal year revenue increased 5 percent, to $4.86 billion, compared with fiscal year 2014.


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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