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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The Principles and Practice of Engineering (PE) test tests for a minimum level of competency in a particular engineering discipline. It is designed for engineers who have gained a minimum of four years post-college work experience in their chosen engineering discipline.

The PE Civil test is an 8-hour test with 80 questions. It is administered in pencil-and-paper format twice per year in April and October. See the test schedule for specific dates.

Reviewing the PE test specifications and design standardsReading the reference materials and examinee guideUnderstanding scoring and reportingViewing the most up-to-date PE test pass rates

I. Project Planning
A. Quantity take-off methods
B. Cost estimating
C. Project schedules
D. Activity identification and sequencing
II. Means and Methods
A. Construction loads
B. Construction methods
C. Temporary structures and facilities
III. Soil Mechanics
A. Lateral earth pressure
B. Soil consolidation
C. Effective and total stresses
D. Bearing capacity
E. Foundation settlement
F. Slope stability
Civil Breadth test Specifications Continued
IV. Structural Mechanics
A. Dead and live loads
B. Trusses
C. Bending (e.g., moments and stresses)
D. Shear (e.g., forces and stresses)
E. Axial (e.g., forces and stresses)
F. Combined stresses
G. Deflection
H. Beams
I. Columns
J. Slabs
K. Footings
L. Retaining walls
V. Hydraulics and Hydrology
A. Open-channel flow
B. Stormwater collection and drainage (e.g., culvert, stormwater inlets, gutter flow, street flow, storm sewer pipes)
C. Storm characteristics (e.g., storm frequency, rainfall measurement and distribution)
D. Runoff analysis (e.g., Rational and SCS/NRCS methods, hydrographic application, runoff time of concentration)
E. Detention/retention ponds
F. Pressure conduit (e.g., single pipe, force mains, Hazen-Williams, Darcy-Weisbach, major and minor losses)
G. Energy and/or continuity equation (e.g., Bernoulli)
VI. Geometrics
A. Basic circular curve elements (e.g., middle ordinate, length, chord, radius)
B. Basic vertical curve elements
C. Traffic volume (e.g., vehicle mix, flow, and speed)
VII. Materials
A. Soil classification and boring log interpretation
B. Soil properties (e.g., strength, permeability, compressibility, phase relationships)
C. Concrete (e.g., nonreinforced, reinforced)
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F. Compaction
VIII. Site Development
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B. Construction site layout and control
C. Temporary and permanent soil erosion and sediment control (e.g., construction erosion control and permits, sediment transport, channel/outlet protection)
D. Impact of construction on adjacent facilities
E. Safety (e.g., construction, roadside, work zone)
CIVIL–CONSTRUCTION DEPTH test Specifications
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A. Excavation and embankment (e.g., cut and fill)
B. Borrow pit volumes
C. Site layout and control
D. Earthwork mass diagrams and haul distance
E. Site and subsurface investigations
II. Estimating Quantities and Costs
A. Quantity take-off methods
B. Cost estimating
C. Cost analysis for resource selection
D. Work measurement and productivity
III. Construction Operations and Methods
A. Lifting and rigging
B. Crane stability
C. Dewatering and pumping
D. Equipment operations (e.g., selection, production, economics)
E. Deep foundation installation
IV. Scheduling
A. Construction sequencing
B. Activity time analysis
C. Critical path method (CPM) network analysis
D. Resource scheduling and leveling
E. Time-cost trade-off
V. Material Quality Control and Production
A. Material properties and testing (e.g., soils, concrete, asphalt)
B. Weld and bolt installation
C. Quality control process (QA/QC)
D. Concrete proportioning and placement
E. Concrete maturity and early strength evaluation
VI. Temporary Structures
A. Construction loads, codes, and standards
B. Formwork
C. Falsework and scaffolding
D. Shoring and reshoring
E. Bracing and anchorage for stability
F. Temporary support of excavation
VII. Health and Safety
A. OSHA regulations and hazard identification/abatement
B. Safety management and statistics
C. Work zone and public safety



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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