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 : JN0-649
Exam Name : Enterprise Routing and Switching Professional (JNCIP-ENT)
Vendor Name : Juniper
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JN0-649 test Format | JN0-649 Course Contents | JN0-649 Course Outline | JN0-649 test Syllabus | JN0-649 test Objectives
Exam Code: JN0-649
Certification: JNCIP-ENT (Juniper Networks Certified Professional Enterprise Routing and Switching)
Format: 65 multiple-choice questions
Duration: 120 minutes
Passing Score: Approximately 65–70% (subject to change)
Delivery: Pearson VUE testing centers or online proctored
Validity: Certification is valid for three years
- Interior Gateway Protocols (IGPs)
- OSPF (Open Shortest Path First):
- Link-state database (LSDB) and flooding mechanisms
- OSPF packet types: Hello- Database Description (DBD)- Link-State Request (LSR)- Link-State Update (LSU)- Link-State Acknowledgment (LSAck)
- LSA types (e.g.- Router- Network- Summary- External- NSSA External)
- Area types: Backbone (Area 0)- Stub- Totally Stubby- Not-So-Stubby Area (NSSA)
- OSPF authentication (plain text- MD5)
- Virtual links and route summarization
- OSPF troubleshooting (e.g.- neighbor adjacency issues- route filtering)
- IS-IS (Intermediate System to Intermediate System):
- IS-IS levels (Level 1- Level 2- Level 1-2)
- TLVs (Type-Length-Value) and PDU types (Hello- LSP- CSNP- PSNP)
- Designated Intermediate System (DIS) election
- Wide metrics vs. narrow metrics
- IS-IS authentication and route leaking
- Troubleshooting IS-IS adjacency and routing issues
- LSDB- LSA- SPF (Shortest Path First)- DR/BDR (Designated Router/Backup Designated Router)- ABR (Area Border Router)- ASBR (Autonomous System Boundary Router)- NET (Network Entity Title)- CLNS (Connectionless Network Service)- route redistribution.
- Border Gateway Protocol (BGP)
- Description: Configuring and troubleshooting BGP in enterprise environments- focusing on both internal (iBGP) and external (eBGP) peering.
- BGP attributes: AS Path- Next Hop- Local Preference- MED (Multi-Exit Discriminator)- Origin- Community
- BGP message types: Open- Update- Notification- Keepalive
- iBGP vs. eBGP peering rules and route reflection
- Confederations and route reflectors for scalability
- BGP path selection process
- Route filtering using prefix lists- route maps- and communities
- BGP multipath and load balancing
- Troubleshooting BGP (e.g.- peering issues- missing routes- attribute manipulation)
- Autonomous System (AS)- BGP neighbor states (Idle- Connect- Active- OpenSent- OpenConfirm- Established)- route reflector- confederation- flap damping- BGP next-hop resolution- graceful restart.
- IP Multicast
- Multicast addressing (IPv4: 224.0.0.0/4- IPv6: FF00::/8)
- IGMP (Internet Group Management Protocol) versions (v1- v2- v3)
- PIM (Protocol Independent Multicast) modes: Dense Mode- Sparse Mode- Source-Specific Multicast (SSM)
- Rendezvous Point (RP) configuration: Static- Auto-RP- Bootstrap Router (BSR)
- Any-Source Multicast (ASM) vs. Source-Specific Multicast (SSM)
- Multicast distribution trees: Shared Tree (*-G)- Source Tree (S-G)
- Troubleshooting multicast (e.g.- RPF (Reverse Path Forwarding) failures- group membership issues)
- Multicast group- IGMP snooping- PIM register messages- RPF check- mroute table- shortest-path tree- shared tree- DR (Designated Router) for multicast.
- Ethernet Switching and Virtual LANs (VLANs)
- Description: Configuring and troubleshooting advanced Ethernet switching features on Juniper EX and QFX series switches.
- VLAN configuration and tagging (IEEE 802.1Q)
- Access vs. trunk ports
- Private VLANs (PVLANs): Isolated- Community- Promiscuous ports
- Virtual Chassis and Virtual Chassis Fabric (VCF)
- Data Center Interconnect (DCI) using EVPN (Ethernet VPN)
- Spanning Tree Protocols: STP- RSTP- MSTP- VSTP
- Link Aggregation Groups (LAG) and MC-LAG (Multi-Chassis LAG)
- Troubleshooting switching issues (e.g.- VLAN misconfiguration- loop prevention)
- VLAN ID- tagged/untagged frames- Q-in-Q tunneling- BPDU (Bridge Protocol Data Unit)- root bridge- LACP (Link Aggregation Control Protocol)- MAC learning- flooding- EVPN-VXLAN.
- Layer 2 Authentication and Access Control
- Description: Implementing security features for Layer 2 networks.
- 802.1X authentication (port-based network access control)
- MAC RADIUS authentication
- Captive portal for guest access
- Dynamic VLAN assignment
- Storm control and rate limiting
- DHCP snooping and ARP inspection
- Troubleshooting authentication and access control issues
- Supplicant- authenticator- authentication server- EAP (Extensible Authentication Protocol)- RADIUS- port security- DAI (Dynamic ARP Inspection)- IP source guard.
- Protocol-Independent Routing
- Description: Configuring and troubleshooting routing features that are independent of specific routing protocols.
- Static routes and aggregate routes
- Route preference and administrative distance
- Filter-based forwarding (FBF)
- Routing instances (virtual routers- VRFs)
- Load balancing and ECMP (Equal-Cost Multipath)
- Troubleshooting routing table issues
- Next-hop types (direct- indirect- reject- discard)- qualified next-hop- routing policy- VRF (Virtual Routing and Forwarding)- ECMP hashing- route resolution.
- High Availability (HA)
- Description: Implementing and troubleshooting high-availability features for enterprise networks.
- Graceful Routing Engine Switchover (GRES)
- Non-Stop Active Routing (NSR)
- Non-Stop Bridging (NSB)
- Virtual Router Redundancy Protocol (VRRP)
- Bidirectional Forwarding Detection (BFD)
- Link Aggregation Control Protocol (LACP) for redundancy
- Troubleshooting HA configurations
- Primary/backup Routing Engine- VRRP priority- preemption- BFD timers- NSR state replication- GRES synchronization- LAG redundancy.
- Network Management and Monitoring
- Description: Managing and monitoring Juniper devices in enterprise networks.
- SNMP (Simple Network Management Protocol) configuration
- Syslog and event logging
- NetFlow/sFlow for traffic monitoring
- Junos Space and Contrail Enterprise Multicloud for network management
- Packet capture and analysis (e.g.- using monitor traffic)
- Troubleshooting network performance issues
- Key Terminologies:
- MIB (Management Information Base)- trap- syslog severity levels- flow records- packet sampling- RPM (Real-time Performance Monitoring)- SLA (Service Level Agreement).
- Advanced Security Features
- Description: Implementing security mechanisms to protect enterprise networks.
- Firewall filters (ACLs) and policers
- Security policies and zones
- Unified Threat Management (UTM): Antivirus- Web filtering- IPS
- Screen options for DoS protection
- Troubleshooting security policy issues
- Stateful firewall- stateless firewall- security zone- ALG (Application Layer Gateway)- DoS (Denial of Service)- IDS/IPS (Intrusion Detection/Prevention System)- policer bandwidth limits.
- Software-Defined Networking (SDN) and Automation
- Description: Understanding modern networking trends- including SDN and automation- as they apply to Juniper platforms.
- SDN concepts and Junipers Contrail Enterprise Multicloud
- Network automation using Python- PyEZ- or Ansible
- YANG data modeling and NETCONF
- EVPN-VXLAN for data center fabrics
- Troubleshooting SDN and automation scripts
- SDN controller- overlay/underlay networks- VXLAN (Virtual Extensible LAN)- BGP EVPN- API (Application Programming Interface)- RPC (Remote Procedure Call)- telemetry.
- Advanced Junos Enterprise Routing (AJER): Covers advanced routing protocols (OSPF- IS-IS- BGP) and policies.
- Advanced Junos Enterprise Switching (AJEX): Focuses on Ethernet switching- VLANs- and data center technologies.
- IGPs: LSDB- LSA- SPF- DR/BDR- ABR- ASBR- NET- CLNS- route redistribution.
- BGP: AS Path- Next Hop- Local Preference- MED- route reflector- confederation- flap damping.
- IP Multicast: Multicast group- IGMP- PIM- RPF- mroute- shared tree- source tree.
- Ethernet Switching: VLAN- 802.1Q- PVLAN- Virtual Chassis- EVPN- STP- LAG- MC-LAG.
- Layer 2 Security: 802.1X- MAC RADIUS- DHCP snooping- ARP inspection- storm control.
- Protocol-Independent Routing: Static route- VRF- ECMP- FBF- route preference.
- High Availability: GRES- NSR- NSB- VRRP- BFD- LACP.
- Network Management: SNMP- syslog- NetFlow- sFlow- Junos Space- packet capture.
- Security: Firewall filter- security zone- UTM- DoS screen- policer.
- SDN/Automation: SDN- VXLAN- EVPN- PyEZ- NETCONF- YANG- telemetry.
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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
