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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An Artist in Residence on A.I.’s Territory

At a reception for OpenAI’s first developer conference in San Francisco last month, a crowd mingled, wine in hand, as withering criticism of art created with artificial intelligence flashed on a blue wall at the front of the room. “I’ve seen more engaging art from a malfunctioning printer,” one critic jabbed. “The fine-art equivalent of elevator music,” huffed another. “Inoffensive, unmemorable and terminally dull.”

It might seem an odd strategy for OpenAI, the company behind widely used generative A.I. tools like ChatGPT and DALL-E, to promote scorn of A.I. art, until you catch the twist: A.I. itself wrote the criticism. Alexander Reben, the M.I.T.-educated artist behind the presentation, combined his own custom code with GPT-4, a version of the large language model that powers the ChatGPT online chatbot.

Next month, Mr. Reben, 38, will become OpenAI’s first artist in residence. He steps in as generative A.I. advances at a head-spinning rate, with artists and writers trying to make sense of the possibilities and shifting implications. Some regard artificial intelligence as a powerful and innovative tool that can steer them in weird and wonderful directions. Others express outrage that A.I. is scraping their work from the internet to train systems without permission, compensation or credit.

In late November, a group of visual artists filed an amended copyright lawsuit against Stability AI, Midjourney and other makers of A.I. tools after a federal judge dismissed parts of the original complaint, which accused the companies of misusing the artists’ creations to train generative A.I systems. Mr. Reben said he couldn’t speak to the specifics of A.I. and the law, “but like with any new creative technology, the law needs to catch up to the unpredictable future.”

(The New York Times sued OpenAI and Microsoft for copyright infringement on Wednesday.)

Tech companies including Google, Autodesk and Microsoft have welcomed artists in residence. And for the last several years, artists have tested products like GPT and the DALL-E image generator, offering insight into the tools’ creative potential before their public release. But the OpenAI residency, which is giving Mr. Reben a front-row view of the company’s work, is a first for the start-up that is at the center of the debate over art and A.I.

“Alex is one of the first people they share their new models with,” said Natalie Summers, a spokeswoman for OpenAI.

Sam Altman, OpenAI’s chief executive, has long acknowledged that the technologies created by his company will change the nature of art. But he insists that no matter how good the technology gets, artists — human artists — will always matter.

“There was a real moment of fear where people asked, ‘Is this a tool they have built or a creature they have built?’” he said last month during an appearance in front of more than 300 artists and art lovers packed into an abandoned warehouse in downtown Oakland, Calif. “People now view these things as a new set of tools.”

After the digital artist Android Jones said at the event that many artists were still very angry over the rise of A.I. image generators and the way it reduced the value of their own art, Mr. Altman said people would always seek art created by other people.

“There is clearly going to be more competition,” he said. “But, awash in a sea of A.I.-generated art, that desire for human connection will go up, not down.”

Ge Wang, an associate director of Stanford’s Institute for Human-Centered Artificial Intelligence and an associate professor of music and computer science at the school’s Center for Computer Research in Music and Acoustics, wonders how receptive OpenAI will be to considering the tough questions about A.I.’s impact on art. What’s the right balance between machine output and human curation? Will the instantaneous results produced by the likes of DALL-E discourage people from developing the kinds of skills that require study and time?

“Asking these questions is kind of bad for business, and OpenAI is a business,” Dr. Wang said. “You might have a wonderful artist there in residence asking questions. Are you willing to receive them?”

Nonetheless, Dr. Wang — who is also a musician and designed two music-making apps, Ocarina and Magic Piano, for Apple’s iPhone — said he was heartened that Mr. Reben was open to engaging with the questions about A.I.’s impact on the art community.

Mr. Reben said that as a technologist who had studied the impact of innovations like photography and recorded music on creativity, “I usually stay on the cautiously optimistic side.”

“But like any other technology of the past, there are both sides to the coin,” he added.

The New York native moved to Berkeley, Calif., a decade ago to become director of technology and research at Stochastic Labs, an incubator for creative scientists and engineers that is housed in a three-story 19th-century Victorian. Mr. Reben’s highly conceptual art lines the walls of the main hallway and fills work spaces packed with printers, headphones, cables, capacitors, soldering supplies, and other bits and bobs.

On a rainy Thursday, Mr. Reben relaxed on a couch at Stochastic after a meeting at OpenAI to continue working out details of what he’ll do during the residency, which will last three months.

“If I come out of it and make my art better, or even come up with some new questions or new directions to present to the world, that would be very valuable,” said Mr. Reben, who researched human-machine symbiosis as a graduate student at the M.I.T. Media Lab, an interdisciplinary research center.

The residency overlaps with Mr. Reben’s first major retrospective, titled “AI Am I?” and on display through April at Sacramento’s Crocker Art Museum. DALL-E and other image generators like Midjourney and Stability AI’s Stable Diffusion have captivated the internet by allowing anyone to instantly retrieve custom visual imagery simply by typing a few words into a box. But while much A.I.-generated art exists as pixels, Mr. Reben often manifests physical structures from ideas he hones with the help of artificial intelligence.

“I like a lot of absurdity and humor in my work, even if the underpinning question is serious,” Mr. Reben said.

One sculpture at the exhibit presents six toilet plungers queued up like a bizarre police lineup. A.I.-generated text on the wall placard explains that the work represents all that remains of the Plungers, an apocryphal ’70s art collective. Its fake artists adhered to “plungism,” a fictional philosophy “wherein the mind of an artist is in a state of flux and able to be influenced by all things, even plungers.”

Plungism arose from Mr. Reben’s extensive back and forth with GPT-3: He’d enter a prompt (an input aimed at producing a desired response), and then tinker with his favorite responses, sometimes feeding the edited language back to the A.I. until he landed on just the right wording.

Then there’s “Dreams of the Cheese-Faced Gentleman,” which depicts a man whose face could be mistaken for a wheel of Swiss cheese. Mr. Reben worked with GPT-4 to find the right prompts to craft a compelling description of a painting, then fed the curated text into an image generator. He’s not a painter himself, so he commissioned one to make the artwork.

A large language model capable of ingesting both images and text then studied the painting and described it in language that would fit in at any museum. “The combination of psychedelic surrealism and whimsicality lends the painting an air of playfulness, challenging the viewer to engage with the work’s complex layers of meaning,” the wall label reads.

Janisy Lagrue, the A.I.-imagined name for the real-life painter who produced the oil on canvas, explained: “I use cheese because it is so perfect a symbol of the American dream. Cheese is a commodity, not a food. It is totally artificial, and it is delicious.”

The exhibit provokes more questions than answers, a reflection of Mr. Reben’s belief that as machines produce better outputs, humans need to ask better questions — about bias and ownership, among other things.

“Given how young this creative tool is, much still needs to be solved, and confronting these problems falls on the shoulders of everyone involved, from its developers to its users,” Mr. Reben said. “The more people thinking about these questions the better.”

Mr. Reben doesn’t profess to speak for all artists as OpenAI’s first artist in residence. But he does understand their concerns. Artists and writers worry that A.I. could steal their jobs, but Dr. Wang of Stanford said the nervousness extended beyond the possibility of lost livelihood.

The fear is “not only are they going to be replaced as artists, it’s that we’ll be replaced by something far more generic, far less interesting,” he said. “Maybe generic is enough to make a ton of money.”

Cade Metz contributed reporting.

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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