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 : MS-700
Exam Name : Managing Microsoft Teams
Vendor Name : Microsoft
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EXAM ID : MS-700
EXAM NAME : Managing Microsoft Teams

The Microsoft Teams Administrator configures, deploys, and manages Office 365 workloads for Microsoft Teams that focus on efficient and effective collaboration and communication in an enterprise environment.

The Teams Administrator must be able to plan, deploy, and manage Teams chat, apps, channels, meetings, audio conferencing, live events, and calling. The Teams Administrator is also responsible for upgrading from Skype for Business to Teams. Candidates for this test should be proficient at managing Teams settings by using PowerShell. The Teams Administrator has a fundamental understanding of integration points with apps and services, including but not limited to SharePoint, OneDrive, Exchange, Azure AD, and Office 365 Groups. The Teams Administrator understands how to integrate external apps and services.

The Teams Administrator collaborates with Telephony engineers to integrate advanced voice features into Microsoft Teams. This role is not responsible for configuring direct routing, configuring call routing, or integrating telephony. The Teams Administrator may work with other workload administrator roles, including security and compliance, messaging, networking, identity, and devices.

- Plan and configure a Microsoft Teams environment (45-50%)
- Manage chat, calling, and meetings (30-35%)
- Manage Teams and app policies (20-25%)

Plan and configure a Microsoft Teams environment (45-50%)
Upgrade from Skype for Business to Microsoft Teams
 choose an appropriate upgrade path and coexistence mode to meet specific requirements
 plan and troubleshoot meeting migration
 configure Microsoft Teams upgrade notification and meeting app preferences
 configure coexistence mode for the organization and per-user
 use Teams Advisor to assess and identify steps to roll out Microsoft Teams
Plan and configure network settings for Microsoft Teams
 plan for successful network deployment by using Network Planner
 calculate network bandwidth capacity for Microsoft Teams voice, video, meetings and Live Events
 assess network readiness by using the Network Testing Companion
 configure network ports and protocols used by Microsoft Teams client application
 configure media optimizations by using QoS
 configure and manage locations including reporting labels, emergency addresses, and network topology, and networks & locations
Implement governance and lifecycle management for Microsoft Teams
 create and manage team templates
 set up policies for Microsoft 365 group creation
 configure Microsoft 365 groups, expiration policy, and naming policy
 archive, unarchive, delete, and restore a team
 configure and manage update policies
Configure and manage guest access
 configure guest users for Microsoft Teams
 configure guest permissions for a team
 configure meeting and live events experiences for guests
 configure messaging and calling options for guests
 remove guests
 manage Azure AD access review for guests
 configure guest access from Azure AD portal
Manage security and compliance
 assign Microsoft Teams Admin roles
 create and manage compliance features, including retention policies, sensitivity labels, and data loss prevention (DLP) policies
 create security and compliance alerts for Microsoft Teams
 create an information barrier policy
 interpret security reports for Microsoft Teams
Deploy and manage Microsoft Teams endpoints
 deploy Microsoft Teams clients to devices, including Windows, VDI (Virtual Desktop), Windows Virtual Desktop (WVD), MacOS, and mobile devices
 manage configuration profiles
 manage Microsoft Teams device tags
 manage device settings and firmware
 configure Microsoft Teams Rooms
Monitor and analyze service usage
 interpret Microsoft Teams usage reports
 interpret Microsoft 365 usage reports
 optimize call quality by using Call Analytics
 analyze organization-wide call quality by using Call Quality Dashboard
 use Power BI to identify call quality issues

Manage Chat, Calling, and Meetings (30-35%)
Manage chat and collaboration experiences
 configure messaging policies
 manage external access
 manage channels for a team
 manage private channel creation
 manage email integration
 configure external access for SharePoint and OneDrive for Business
 manage cloud file storage options for collaboration
Manage meeting experiences
 configure meeting settings
 create and manage meeting policies
 configure settings for live events
 create and manage policies for live events
 configure conference bridge settings
Manage phone numbers
 recommend a PSTN connectivity solution based on specific business requirements
 order phone numbers
 manage service numbers
 add, change, or remove an emergency address for your organization
 assign, change, or remove a phone number for a user
 manage voice and audio conferencing settings for users
 configure dynamic emergency policies
Manage Phone System
 manage resource accounts
 create and configure call queues
 create and configure auto attendants
 manage call park policies
 manage calling policies
 manage caller ID policies
 interpret the Direct Routing health dashboard

Manage Teams and app policies (20-25%)
Manage a team
 create a team
 upgrade an existing resource to a team
 manage privacy levels for a team
 manage org-wide teams
 customize and apply policy packages
Manage membership in a team
 manage users in a team
 configure dynamic membership
 manage access review for team members
Implement policies for Microsoft Teams apps
 manage Org-wide app settings
 create and manage app permission policies
 create and manage app setup policies
 manage apps store customization

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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