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 : NCP-MCI-5.15
Exam Name : Nutanix Certified Professional Multicloud Infrastructure (v5.15)
Vendor Name : Nutanix
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NCP-MCI-5.15 exam Format | NCP-MCI-5.15 Course Contents | NCP-MCI-5.15 Course Outline | NCP-MCI-5.15 exam Syllabus | NCP-MCI-5.15 exam Objectives


Exam Detail:
The NCP-MCI-5.15 exam, also known as "Nutanix Certified Professional Multicloud Infrastructure," is a certification exam that validates the knowledge and skills of IT professionals in deploying, administering, and troubleshooting Nutanix solutions in a multicloud infrastructure. Here are the details of the NCP-MCI-5.15 exam:

- Number of Questions: The NCP-MCI-5.15 exam typically consists of multiple-choice questions (MCQs) and may include scenario-based questions. The exact number of questions may vary, but it generally ranges from 60 to 70 questions.

- Time Limit: The time allocated to complete the NCP-MCI-5.15 exam is usually around 90 minutes. However, the duration may vary depending on the specific exam requirements and the exam delivery platform.

Course Outline:
The NCP-MCI-5.15 exam covers a broad range of subjects related to deploying, administering, and troubleshooting Nutanix solutions in a multicloud infrastructure. The exam assesses the candidate's knowledge in the following areas:

1. Nutanix Core Concepts and Architecture:
- Understanding the key concepts, components, and architecture of Nutanix solutions.
- Exploring the functionality of Nutanix Prism and AHV (Acropolis Hypervisor).
- Understanding data resiliency, data protection, and disaster recovery mechanisms in Nutanix environments.

2. Nutanix Deployment and Configuration:
- Deploying and configuring Nutanix clusters and nodes.
- Understanding Nutanix networking concepts and best practices.
- Configuring storage resources, including datastores and virtual disks.

3. Nutanix Prism Central and Prism Element Management:
- Managing Nutanix clusters using Prism Central.
- Configuring and monitoring Nutanix resources, including VMs, storage, and networking.
- Understanding the role of Prism Element in managing Nutanix nodes.

4. Nutanix AHV Virtualization:
- Understanding Nutanix AHV virtualization features and capabilities.
- Deploying and managing virtual machines (VMs) in Nutanix AHV environments.
- Configuring and monitoring AHV networking and storage.

5. Nutanix Data Services and Application Deployment:
- Configuring and managing Nutanix data services, including compression, deduplication, and erasure coding.
- Deploying and managing applications on Nutanix clusters.
- Understanding Nutanix Calm for application lifecycle management.

6. Nutanix Cluster Operations and Troubleshooting:
- Performing cluster operations and maintenance tasks, including upgrades and patches.
- Troubleshooting common issues and performance bottlenecks in Nutanix environments.
- Understanding Nutanix support and resources for troubleshooting and issue resolution.

Exam Objectives:
The objectives of the NCP-MCI-5.15 exam are as follows:

- Evaluating the candidate's knowledge and understanding of Nutanix core concepts, architecture, and deployment models.
- Assessing the candidate's ability to deploy and configure Nutanix clusters, storage, and networking.
- Testing the candidate's skills in managing Nutanix resources using Prism Central and Prism Element.
- Verifying the candidate's knowledge of Nutanix AHV virtualization and its configuration and management.
- Assessing the candidate's understanding of Nutanix data services, application deployment, and cluster operations.
- Testing the candidate's troubleshooting skills in resolving common issues and performance problems in Nutanix environments.

Exam Syllabus:
The NCP-MCI-5.15 exam covers the following topics:

1. Nutanix Core Concepts and Architecture
2. Nutanix Deployment and Configuration
3. Nutanix Prism Central and Prism Element Management
4. Nutanix AHV Virtualization
5. Nutanix Data Services and Application Deployment
6. Nutanix Cluster Operations and Troubleshooting



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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