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 : JumpCloud-Core
Exam Name : JumpCloud Core Certification
Vendor Name : JumpCloud
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JumpCloud-Core exam Format | JumpCloud-Core Course Contents | JumpCloud-Core Course Outline | JumpCloud-Core exam Syllabus | JumpCloud-Core exam Objectives

Exam Specification:

- exam Name: JumpCloud Core Certification
- exam Code: JumpCloud-Core
- exam Duration: 90 minutes
- exam Format: Multiple-choice questions
- Passing Score: 75%

Course Outline:

1. Introduction to JumpCloud
- Overview of JumpCloud as a Directory-as-a-Service (DaaS) platform
- Key features and benefits of JumpCloud
- Understanding the core components of JumpCloud

2. User and Group Management
- User management and provisioning in JumpCloud
- Group management and permissions
- Configuring user and group settings

3. System Management
- Enrolling systems with JumpCloud
- Managing system settings and configurations
- Applying policies and configurations to systems

4. Directory Integrations
- Integrating JumpCloud with other directories, such as Active Directory (AD) or LDAP
- Directory synchronization and user management across systems

5. Security and Authentication
- Implementing multi-factor authentication (MFA)
- Managing access and permissions with JumpCloud
- Configuring security policies and best practices

6. Applications and SSO
- Configuring and managing application integrations with JumpCloud
- Implementing Single Sign-On (SSO) for applications

Exam Objectives:

1. Understand the core features and components of JumpCloud.
2. Manage users and groups in JumpCloud.
3. Enroll and manage systems in JumpCloud.
4. Integrate JumpCloud with other directories and synchronize user management.
5. Implement security measures and authentication mechanisms in JumpCloud.
6. Configure and manage application integrations and Single Sign-On (SSO) in JumpCloud.

Exam Syllabus:

The exam syllabus covers the following syllabus (but is not limited to):

- Introduction to JumpCloud
- User and Group Management
- System Management
- Directory Integrations
- Security and Authentication
- Applications and SSO

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Secret Data Dumps and Sleaze Allegations Rock Monaco’s Royal Palace

A long running sleaze scandal in Monaco, fueled by an anonymous blog and data dumps, could result in embarrassment for Prince Albert, the principality’s ruler, after a sacked senior courtier hinted he will sue Albert for defamation.

The disgraced courtier is Claude Palermo, Albert’s former asset and wealth manager, who was first hired by his father, Prince Rainier, the widower of Grace Kelly. Palermo was often described as Albert’s éminence grise and has long been privy to the innermost workings of the eye-watering property deals in the tax haven, where prices are over twice those in Manhattan on a square-foot basis.

Palermo came under attack in an anonymous Substack, Les Dossiers du Rocher (Monagesques call Monaco “Le Rocher,” which means “The Rock”). A little over two years ago, it began dumping incriminating and embarrassing documents and emails online.

The particular target of the Substack was the so-called “G4,” or “Gang of Four” of senior courtiers who until just a few months ago controlled vast swathes of business and property activity in the principality.

Palermo was one of them. The others in the gang were Laurent Anselmi, 61, Albert’s chief of staff; Thierry Lacoste, 63, Albert’s personal lawyer; and Didier Linotte, 75, president of Monaco’s supreme court. According to a report in the London Times, Albert has not fired the latter two but has “publicly distanced himself” from them.

Another important figure in the story is Patrice Pastor, a powerful property developer known as P2 due to his initials, PP. The Air Mail newsletter described him as having “long controlled Monaco’s property market” but said relations between him and the Grimaldis soured after his rivals were awarded a massive 2014 contract to redevelop a stretch of waterfront known as Esplanade des Pêcheurs.

Air Mail pointed out that Pastor denies any involvement in the Dossiers Substack but said his “opponents” allege that he began “to mastermind the Dossiers du Rocher as an act of revenge” after being cut out of the lucrative deals.

In the first two years of the blog, Albert, who was also battling rumors his marriage had broken down, stood by the G4, but in latest weeks he has apparently cut them loose.

The prince told the French newspaper Le Figaro, per the Times, “if confidence evaporates you can no longer work together,” adding, “When questions arise, you need to know how to change the people who surround you to find the right path again and to write a new page in your history.”

Albert also told Monaco-Matin that the allegations in the Dossiers du Rocher had been “disastrous for Monaco’s image. They must absolutely put a stop to it.”

However, giving the G4 the boot from the inner circle may end up inflaming the scandal.

The French newspaper Le Monde reports: “Claude Palmero has become the man who is making the palace tremble.”

Le Monde said he was the “holder of all the secrets of the principality, from the prince’s private accounts to government investments.” The newspaper added that he was “the sort of person you spare in general.”

The Times said: “After his homes and offices were raided by police following the opening of a criminal investigation into corruption allegations, Palmero seemed irritated. He said that Albert’s interview with Le Figaro included a ‘regrettable echo of a recurrent campaign of denigration... feeding off false documents, malicious accusations and fallacious insinuations. I cannot let myself be slandered in this way.’”

There is an old folk tale that the Grimaldis—the official surname of Albert's family—were cursed when the first Prince Rainier of Monaco attempted to rape a young Flemish noblewoman who turned out to be a powerful witch.

As the scandal of the Dossiers du Rocher unfolds over the coming months, this supernatural medieval story is likely to seem startlingly relevant all over again.

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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