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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Microsoft MS-740 : Troubleshooting Microsoft Teams ACTUAL EXAM QUESTIONS

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Exam Number : MS-740
Exam Name : Troubleshooting Microsoft Teams
Vendor Name : Microsoft
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MS-740 test Format | MS-740 Course Contents | MS-740 Course Outline | MS-740 test Syllabus | MS-740 test Objectives


Exam Number: MB-340MS-740

Exam Name : Troubleshooting Microsoft Teams



Exam TOPICS



Candidates for this test are support engineers responsible for supporting Microsoft Teams environments, troubleshooting deployments, tuning performance, collecting and analyzing telemetry and log data, and managing Teams environments.



Candidates should have significant exposure to unified communications and hands-on experience with Microsoft Teams. In addition, candidates should have networking knowledge of Azure fundamentals, telephony, PowerShell, data storage technologies, APIs, app security, authentication and authorization, security, and compliance information, debugging, performance tuning, and monitoring.



Troubleshoot Microsoft Teams voice issues (15-20%)

Troubleshoot issues with Microsoft Teams meetings and live events (20-25%)

Troubleshoot federation issues (10-15%)

Troubleshoot issues signing into Microsoft Teams (15-20%)

Troubleshoot teams and channels (10-15%)

Troubleshoot issues with files (15-20%)



Troubleshoot Microsoft Teams voice issues (15-20%)

Troubleshoot audio and video flow issues

 troubleshoot audio and video quality issues

 troubleshoot call drops

 investigate issues with call quality and dropped calls by using Call Quality Dashboard, network tracing tools, and logs

Troubleshoot emergency calling issues

 configure dynamic emergency calling

 identify issues with emergency phone number normalization rules

 troubleshoot location detection failures

 troubleshoot missing locations in outbound calls and missing addresses

 troubleshoot dial mask issues

Troubleshoot direct routing issues

 troubleshoot issues pairing the Session Border Controller (SBC) with the phone number

service

 troubleshoot dial plan issues including normalization rules

 identify the root cause of direct-dialing call issues by reviewing the SBC log

 troubleshoot audio conferencing issues including provisioning and configuration issues

Troubleshoot issues with Microsoft Teams meetings and live events

(20-25%)

Troubleshoot live events issues

 troubleshoot meeting creation and scheduling issues

 troubleshoot recording issues including policies related to recording

 investigate issues sharing content and viewing reports

 troubleshoot reporting issues including issues with attendance reports and moderated

questions

 troubleshoot attendee access and playback issues

 troubleshoot and optimize networks for Teams live events

 investigate issues connecting to the service and joining meetings

Configure and troubleshoot Teams services

 configure Microsoft Audio Conferencing licensing

 troubleshoot dial pad issues

 troubleshoot phone number provisioning issues

 configure and troubleshoot issues with the Outlook add-in for Teams

 troubleshoot issues enabling and configuring audio and video devices for Teams

 troubleshoot online and hybrid call queues and auto-attendant issues

 troubleshoot user provisioning issues including licensing users, phone number

assignments, and policies

 troubleshoot issues with phone system features

 investigate phone system setup and configuration issues

Troubleshoot Teams client issues

 troubleshoot Teams client startup issues and crashes on Windows, Mac, and Linux

devices

 investigate causes for high memory or CPU usage

 investigate network issues including network latency

 analyze web traffic and review HTTP status codes by using Fiddler and other tools

 troubleshoot issues installing and updating client software

 troubleshoot performance issues including long times for uploading files and chats slow

to load or send

 troubleshoot call setup issues

 troubleshoot issues adding participants to meetings

Troubleshoot messaging issues

 troubleshoot message delivery issues

 troubleshoot issues attaching files and content to messages

 troubleshoot chat notification issues

Troubleshoot federation issues (10-15%)

Troubleshoot issues interoperating with Skype for Business

 investigate chat issues when interoperating with Skype for Business

 troubleshoot federation issues between Teams and Skype or Skype for Business

 troubleshooting Interop chat scenarios

Troubleshoot Teams federation issues

 configure federation policies and domain lists

 verify tenant configuration settings including allowed and blocked domain lists and type

of federation

Troubleshoot issues signing into Microsoft Teams (15-20%)

Troubleshoot account and network issues

 verify Active Directory Federation Services (AD FS) health including endpoint availability

and synchronization status

 troubleshoot issues with Azure Active Directory Seamless Single Sign-On (Azure AD

Seamless SSO)

 identify reasons for blocked accounts by reviewing web log data

 verify user virtual private network (VPN) configuration settings including split tunneling

and client version

 validate network configuration settings including firewall ports, IP ranges, and proxy

configuration issues

Troubleshoot member sign-in issues

 investigate authentication issues

 verify whether an applied conditional access policy prevents sign in

 determine whether a user account or the device from which a user attempts to sign in is

the cause of a sign-in issue

 troubleshoot client sign-in issues by collecting and analyzing Teams debug logs

 troubleshoot Teams Rooms System (TRS) sign-in issues by analyzing log data from

Teams Room devices

 investigate points of failure in the sign-in process flow

Troubleshoot guest access issues

 troubleshoot issues adding guest users to teams

 troubleshoot call, message, and meeting issues for guest users by checking the guest

meeting, guest messaging, and guest calling configuration policies

 audit invitations sent but not used and inactive accounts

 validate configuration settings for federated message flow

 review Azure sign-in logs and audit logs for the domain which hosts Teams

Troubleshoot teams and channels (10-15%)

Troubleshoot issues with apps

 configure Teams to allow or block an app

 validate app permission policies

 configure app setup policies

Troubleshoot issues with public and private channels

 differentiate between capabilities of public and private channels

 identify limitations for private channels

 check user permissions, team policies, and tenant policies

 verify and troubleshoot channel email settings

 troubleshoot tenant replication issues in teams and channels

 troubleshoot deletion issues in teams and channels

Troubleshoot issues with files (15-20%)

Troubleshoot person-to-person (P2P) private chat file issues including access and sharing

 verify access rights for the user

 configure a Teams client configuration policy

 troubleshoot issues provisioning users

Troubleshoot file issues for private channels

 verify that the SharePoint site for the channel is accessible

 verify SharePoint access permissions

 confirm that the SharePoint site collection link is intact

Troubleshoot file issues for public channels

 verify SharePoint access permissions

 determine whether the name for a channel or team have been changed

 confirm that the SharePoint site collection link is intact

 troubleshoot file synchronization issues and missing files



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Steam Dumps Official Support for Windows 7 and Windows 8

The New Year begins with some bad news for gamers still on older versions of Windows: Steam has officially dropped support for Windows 7 and Windows 8. 

It’s possible the Steam client may still be able to run on both operating systems. Just don’t expect to receive any software updates from Valve. 

We've known about the loss of support since March 2023, when the company mentioned that the Steam client would “no longer run on those versions of Windows," effective Jan. 1, 2024.

Valve has since updated its post to delete that language and say: “We expect the Steam client and games on these older operating systems to continue running for some time without updates after January 1st, 2024, but they are unable to guarantee continued functionality after that date.”

Valve adds that the decision to drop support also means the Steam client for Windows 7 and 8  “will no longer receive updates of any kind including security updates.” Hence, affected users can expect a diminishing experience over time that could expose them to security threats.  

“We strongly encourage all Windows 7/8/8.1 users to update sooner rather than later,” Valve added in the post. “Computers running these operating systems, when connected to the internet, are susceptible to new malware and other exploits which will not be patched.” 

Recommended by Their Editors

Microsoft officially ended support for Windows 7 in 2020 and Windows 8.1 in January 2023. But a small group of Steam users have continued to stick with the operating systems. According to Valve’s own statistics from December, about 0.89% of Steam users are still on Windows 7 or 8.

Valve says it was forced to drop the support because Steam uses an embedded version of Chrome that “no longer functions on older versions of Windows.” The company adds: “future versions of Steam will require Windows feature and security updates only present in Windows 10 and above.”

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How to configure Windows to create Crash Dump Files on Blue Screen

Whenever a Windows computer runs into an error, it shows a BSOD or a Blue Screen of Death. This screen usually comes up for a fraction of a second, creates some logs or Dump Files as many other people refer and then suddenly reboots the computer. Now, this process takes place so fast that many times the user does not get an opportunity to get the error code right and then probably the user does not get an opportunity to check what went wrong. These crash dump files are stored internally in the computer and can be only accessed by an administrator.

The crash dump files are of 4 main types. On Windows 11/10, they are either:

  • Complete Memory Dump,
  • Kernal Memory Dump,
  • Small Memory Dump (256KB) or
  • Active Memory Dumps.
  • First of all, they would recommend you to make a System Restore point. Because they will be playing with system files and modifying some critical Windows settings. Now, they will continue on their quest of making Windows 10 create Dump Files after a Stop Error.

    1: Create Dump files by modifying settings in Startup and Recovery

    Now, first of all, start by opening the Control Panel. To do this, just search for Control Panel in the Cortana Search box and clicking on the appropriate results.

    Make sure that you are viewing the contents by their Category. Click on the header link labeled as System and Security – or, just right-click on the This PC icon and click on Properties.

    Now, on the left panel, select Advanced system settings. A new small window will open up.

    Inside that, under the region called Startup and Recovery, select the Settings button.

    create Dump Files

    Under the region called as System Failure, you can select any option from the drop-down for Write debugging information:

  • None (No dump file created by Windows)
  • Small Memory Dump (Windows will create a Minidump file on BSOD)
  • Kernel Memory Dump (Windows will create a Kernel Memory Dump file on BSOD)
  • Complete Memory Dump (Windows will create a Complete Memory Dump file on BSOD)
  • Automatic Memory Dump (Windows will create Automatic Memory Dump file on BSOD
  • Active Memory Dump (Windows will create an Active Memory Dump file on BSOD)
  • It is worth noting that the complete dump needs a page file allowed to be a size of the physical memory installed on the computer with a dedicated 1MB space for just the page header.

    Now after selecting the most suitable option for you, select OK/Apply and exit.

    Reboot your computer for the changes to take effect.

    2: Create Dump files WMIC command line

    Start by pressing WINKEY + X button combo or right-click on the Start button and click on Command Prompt (Admin) or just search for cmd in the Cortana search box, right click on the Command Prompt icon and click on Run as Administrator.

    Now, type in any one of the following commands as per your preferences in order to make Windows 10 create Dump Files.

    No dump file: wmic RECOVEROS set DebugInfoType = 0 Small Memory Dump: wmic RECOVEROS set DebugInfoType = 3 Kernel Memory Dump: wmic RECOVEROS set DebugInfoType = 2 Complete Memory Dump: wmic RECOVEROS set DebugInfoType = 1 Automatic Memory Dump: wmic RECOVEROS set DebugInfoType = 7 Active Memory Dump: wmic RECOVEROS set DebugInfoType = 1

    For your information, a complete dump needs a Page file allowed to be a size of the physical memory installed on the computer with a dedicated 1MB space for just the page header.

    Now, type in exit to exit the Command Prompt.

    Reboot your computer for the changes to take effect.

    Read: How to manually create a Crash Dump file in Windows 11/10.

    In case you wish to check what current Memory Dump Settings are on your computer, simply type in the following command to check,

    wmic RECOVEROS get DebugInfoType

    Now check if your modified settings work or not.

    TIP: You can use Crash Dump Analyzer software to analyze crash dump reports.


    What are System Error Memory Dump Files in Windows 11/10?

    System Error Memory Dump Files or Win Dump Files are like reports created whenever your computer experiences a crash.  As the name suggests, they are Dump Files that are created and stored with information about each crash event and can be used to diagnose the problem that caused the crash. There are two major types of memory dump files, Memory.dmp and minidump. Memory Dump Files are important; however, they do take up a bit of space, and that can be a problem for users, especially if the storage is small.

    System Error Memory Dump Files in Windows

    When Windows crashes, it collects information about the crash during the time that the Crash Screen is displayed. At this point, the OS collects information from running applications, drivers, memories, etc., to create the Win dump files, also known as crash dumps files. These files together can be used to determine the cause of the crash. It is like analyzing stores of data that are saved over some time, the data will contain patterns that can be used to diagnose the cause of the problems.

    Types of Windows Dump Files

    What-are-System-Error-Memory-Dump-Files-Dump-FIle-Types

    Five types of Memory Dump Files can be created during a crash. They are:

  • Complete Memory Dump Files,
  • Kernel Memory Dump Files,
  • Small Memory Dump Files,
  • Automatic Memory Dump Files, and
  • Active Memory Dump Files.
  • Complete Memory Dump Files in Windows

    A Complete Memory Dump File is a copy of the entire Windows physical memory at the time that the crash occurred. This type of Memory Dump is the largest. The default location for the Complete Memory Dump File is %SystemRoot%\Memory.dmp. The old file is overwritten each time a new file is created. 

    TIP: You can analyze Windows Memory Dump .dmp files with WhoCrashed.

    Kernel Memory Dump Files in Windows

    Kernel memory dump files contain Windows kernel and hardware abstraction level kernel-mode drivers. Kernel memory dump files have smaller sizes than complete memory dump files because they don’t contain unallocated memory and memory allocated to user-mode applications.  The default location for kernel memory dump file is  %SystemRoot%\Memory.dmp. The old one is overwritten when a new one is created.

    Read: How to manually create a Crash Dump file in Windows

    Small Memory Dump Files (256 kb) in Windows

    Small memory dump files contain information related to the list of loaded drivers, the running process, and the kernel. They are the smallest Win dump files and have lesser details and usefulness. The default location for the small memory dump file is %SystemRoot%\Minidump. When a new file is created, the older file is preserved.

    Read: How to open and read Small Memory Dump (DMP) files

    Automatic Memory Dump Files in Windows

    Automatic Memory Dump and Kernel Memory Dump contains the same information. The difference between the two is the way that Windows sets the size of the system paging file.

    If the system paging file size is set to System managed size, and the kernel-mode crash dump is set to Automatic Memory Dump, then Windows can set the size of the paging file to less than the size of RAM. In this case, Windows sets the size of the paging file large enough to ensure that a kernel memory dump can be captured most of the time.

    If the computer crashes and the paging file is not large enough to capture a kernel memory dump, Windows increases the size of the paging file to at least the size of RAM. The time of this event is recorded here in the Registry:

    HKLM\SYSTEM\CurrentControlSet\Control\CrashControl\LastCrashTime

    The increased Paging file size stays in place for 4 weeks and then returns to the smaller size. If you want to return to the smaller paging file before 4 weeks, you can delete the Registry entry.

    To see the Page file settings:

  • Go to Control Panel > System > Advanced system settings.
  • Under Performance, select Settings.
  • On the Advanced tab, under Virtual memory, select Change.
  • In the Virtual Memory dialog box, you can see the paging file settings.
  • By default the Automatic Memory Dump file is written to %SystemRoot%\Memory.dmp.

    Active Memory dump Files in Windows

    An Active Memory Dump is similar to a Complete Memory Dump, but it filters out pages that are not likely to be relevant to troubleshooting problems on the computer. Because of this filtering, it is typically significantly smaller than a complete memory dump. This dump file does include any memory allocated to user-mode applications. It also includes memory allocated to the Windows kernel and hardware abstraction layer (HAL), as well as memory allocated to kernel-mode drivers and other kernel-mode programs.

    An Active Memory Dump is particularly useful when Windows is hosting virtual machines (VMs). When taking a complete memory dump, the contents of each VM is included. When there are multiple VMs running, this can account for a large amount of memory in use on the host system. Many times, the code activities of interest are in the parent host OS, not the child VMs. An active memory dump filters out the memory associated with all child VMs. The default location for the Active Memory Dump File is %SystemRoot%\Memory.dmp. The Active Memory Dump is available in Windows 11/10 and later.

    Read: Free Crash Dump Analyzer software for Windows

    What is the System Error Memory Dump Files Location?

    The default location for the System Error Dump Files or Win Dump Files is on the drive that the Operating System is installed. In most cases that is the drive C:. you can search for:

  • %systemroot%\minidump
  • %systemroot%\memory.dmp
  • or

  • C:\Windows\minidump
  • C:\Windows\memory.dmp
  • If the Operating System is installed on a drive with another drive letter, then that drive letter would replace C:.

    In most cases, you will see both minidump and Memory.dmp on your computer. This is so because all other Memory Dump files will be stored in the memory.dmp while the small dump file will be stored in minidump file.

    If you can’t find the Memory Dump Files it could mean that they were deleted possibly in a clean-up. It could also mean that no crash was recorded.

    In Windows 11, dump files can also be stored as smaller memory dump files called Minidump. You can find minidump.dmp dump files in C:\Windows\Minidump.dmp. Some minidump files will have their own names, usually numbers such as the date and time of the crash incident.

    Read:

    Is it safe to delete System Error Memory Dump Files?

    Yes, it is safe to delete System Error Memory Dump Files. All System Memory Dump Files contain some information about a system crash. Each time the system crashes a System Error Dump File is created. These files can be used to analyze the cause of the crash. Deleting these files will not directly affect the system, however, they might hold valuable data. It would be wise to make a backup of the System Error Memory Dump Files for future reference. Files that are older than 30 days may be deleted if you wish if there are no problems. The urge to delete the Dump Files is usually because of the space they take up on the computer. You can choose to backup the files externally for 30 days and delete them if there are no problems.

    The files may also be sent to Microsoft for analysis. it is a good idea to report them to Microsoft before deleting them. Sending dump files to Microsoft is a good idea because there are teams that review them and try to investigate the cause and resolve it either through Windows Update or notify you about possible solutions in Action Center.

    How to Delete Memory Dump Files in Windows?

    To delete Memory Dump Files you can find them on the hard drive and delete them. You can also delete it using the Windows Disk Cleanup Tool.

    Open This PC in the left panel.

    What-are-System-Error-Memory-Dump-Files-in-Windows-11-Properties

    Right Click on the C: drive and click Properties.

    What-are-System-Error-Memory-Dump-Files-in-Windows-11-Properties-Tools

    A window will appear. Click Disk Cleanup, and it will load.

    What-are-System-Error-Memory-Dump-Files-in-Windows-11-Disk-Cleanup-for-Windows-C

    A window will appear, look to see that any files you need to delete are selected then click Clean Up System Files then wait for it to finish.

    What-are-System-Error-Memory-Dump-Files-in-Windows-11-Disc-Cleanup-Dump-files

    Another window will appear showing a list of things that can be cleaned up. You will notice some files selected and the amount of space that will be freed up if those files are deleted.

    System Error Memory Dump files and System Error Minidump files are unselected. You can choose to delete them by selecting them and clicking ok,What-are-System-Error-Memory-Dump-Files-in-Windows-11-Disc-Cleanup-Confirmation

    You will be asked to confirm the delete. Confirm by clicking Delete Files.

    What are System Error Memory Dump Files?

    System Error Memory Dump Files are basically error logs that are created whenever your computer crashes. They can hold small amount of information about the crash or very large amounts of information. The System Error Memory Dump Files can be used by users or technicians to see why the crash happened and they can decide what to do. If these files are sent to Microsoft, they can use them to make corrections to whatever caused the crash.

    Related reads:

  • Physical Memory Limits in Crash Dump files
  • Configure Windows to create Crash Dump Files on Blue Screen
  • How Long Should Error Memory Dump Files be Kept?

    Error Memory Dump Files can be kept for 30 days or 60 days. They can be deleted after that time if the crash is not happening anymore. If the crash keeps happening then the larger Error Dump Files will get written over. The Complete Memory Dump File is the largest of the five types because it contains more data about the crash. This is usually the one that concerns users because of the size. If you want to keep them longer but you are low on disk space, you can choose to save them externally.

    What-are-System-Error-Memory-Dump-Files-
     


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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