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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Network-Appliance NS0-303 : NetApp Certified Hybrid Cloud Administrator ACTUAL EXAM QUESTIONS

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NS0-303 Exam Center Questions : Download 100% Free NS0-303 ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : NS0-303
Exam Name : NetApp Certified Hybrid Cloud Administrator
Vendor Name : Network-Appliance
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Network-Appliance NetApp PDF Download

 

Critical Mass: Network Appliance Takes On Tier One

For many years, Strategic Technologies (STI) president Mike Shook was quite satisfied partnering with storage-system providers Hitachi Data Systems and Sun Microsystems. The $100 million Cary, N.C.-based integrator regarded the two vendors as best-of-class in their respective data-center and midrange-storage segments. Successful businesses don't stand still, though, and STI is no exception. Last year, Shook decided to broaden the company's storage portfolio and started shopping around for a key player.

His pick? Not the company you'd expect.

STI didn't go with storage leaders EMC or Hewlett-Packard. Nor did it go with IBM. Instead, the company added Network Appliance (NetApp), the fast-growing, second-tier provider of midrange and high-end storage systems that today is nipping at the heels of tier-one vendors.

NetApp wasn't a leap of faith for STI, which counts among its clients CSX, SunTrust Bank and Wachovia. In fact, Shook sees NetApp as a better long-term bet than EMC in terms of its platform and price performance.

"With NetApp, they can beat EMC's CLARiiON day in and day out," Shook says. "We believe NetApp is really a powerhouse. They can't turn a blind eye to that."

Few are turning a blind eye to NetApp these days. A company that a dozen years ago was an upstart vendor making file servers known as "toasters," NetApp boosted its sales by 30 percent-plus last year. And while roughly 20 percent the size of EMC, it's growing faster and stealing market share from its rivals.

NetApp is best known for its network attached storage (NAS). It is now also becoming a player in SANs, iSCSI, virtualization, storage security and even tape. And when it comes to buzzwords like information life-cycle management (ILM), NetApp is on a level playing field with the big boys. All told, the company grew sales by a whopping 37 percent in fiscal year 2005, to $1.6 billion, and is on pace to climb to $2 billion in revenue.

Numerous storage integrators and analysts contend that NetApp has the technology, product breadth and channel programs in place to support key storage consolidation, backup, replication and disaster-recovery implementations.

"They continue to innovate, and they find that with their products they can deliver real value to customers in the primary storage space and in the data-protection space as well," says Scott Robinson, CTO of DataLink, a NetApp partner.

That didn't happen overnight. NetApp CEO Dan Warmenhoven has made some aggressive and well-received moves to broaden the company's reach, putting it in an even greater position to go after EMC head-on. With its $300 million acquisition of Spinnaker Networks early last year, NetApp now has the key components to roll out a storage grid architecture, while a deep partnership with Veritas Software gives it rich data-protection and system-virtualization software. In accurate months, Warmenhoven formed a pact with IBM, which has the rights to OEM the entire NetApp product line. NetApp has made other key acquisitions: tape vendor Alacritus and data-encryption company Decru.

Warmenhoven makes no bones about gunning for EMC and HP. "The company they have to take share from is Hewlett-Packard; the company they have to beat is EMC," he says.

During the past decade, NetApp has been putting the technical foundation in place to be a contender. The company has developed and championed some key technologies, including the WAFL file system, and is also credited with helping put iSCSI, a low-cost alternative to Fibre Channel, on the map. With a wide range of products today, NetApp continues to defy its critics, scaling into some of the largest of data centers even though it lacks a product like EMC's DMX or IBM's Shark. It is the vendor of choice for Oracle and Yahoo, managing petabytes of data for its free e-mail service.

"They have a huge amount of momentum with enterprise customers, and they've got a pretty good story to tell with a pretty cohesive platform," says Dan Renouard, chief storage analyst at investment research firm Robert W. Baird and Co.

Moving To the Channel

The percentage of NetApp's sales through the channel in North America for the fiscal year ended April 30 was 45 percent, up from 36 percent in the prior year. The goal this year is 48 percent, says Leonard Iventosch, vice president of Americas channel sales. Just a few years back, he says that percentage was in the 20s. On the government side, 80 percent of sales will go through the channel. Overall, 53 percent of NetApp's gross revenue worldwide comes through the channel.

"Our senior executives believe that is a good thing," Iventosch says. "Their thinking behind that is twofold: One is you can't grow and scale without the channel, especially in the midmarket, and it also allows their senior-level direct salespeople to focus exclusively on large enterprise accounts." Still, one-third of NetApp's overall enterprise business goes through the channel.

Baird's Renouard says NetApp is still underdistributed.

Eric Geslien, director of business development with NetApp partner All Points Networking in South San Francisco, says since the vendor converted its direct-sales reps into channel reps, they have become more motivated to work with partners. "They've really changed their business model from a direct to a channel-friendly model, and it has helped us compete," Geslien says.

Another key move into the channel came two summers ago, when NetApp moved its products into two-tier distribution, inking deals with both Arrow Electronics and Avnet. Steve Tepedino, co-president of the Americas for Avnet Technology Solutions, says the NetApp relationship has gone from zero to 60 in that time. Avnet will push $100 million of sales with NetApp this year, and Tepedino calls it the "fastest-growing partnership" inside the company.

Effective May 1, NetApp officially implemented a new hard-deck model, where every district manager had to turn in a list of accounts that are above the hard deck. Those are accounts where they can work directly or with partners. Everything else has to go through the channel, or they don't get paid.

NetApp is also targeting EMC resellers with special rebates and margin enhancements. In an effort to help partners generate more demand, NetApp rolled out the first in a series of campaigns this quarter targeted at its iSCSI products. That included channel-only bundles, live seminars, and targeted marketing and telesales, with the goal of developing 3,000 additional leads. "We expect 80 to 90 percent of those leads to go to the channel," Iventosch says.

"[NetApp] deserves a huge amount of credit," says IDC analyst Janet Waxman. "They are smart, they are predictable and very consistent with the channel. They've got it figured out."

NetApp also has been successful in wooing some major channel partners. During the past year, GTSI, a large public-sector integrator and EMC reseller, has substantially increased its NetApp business. And in some cases, at EMC's expense. In one bureau within the Department of the Interior, GTSI displaced EMC based on a lead provided by NetApp, says Steve Krauss, the integrator's storage-infrastructure manager.

A Common Rival

Make no mistake--EMC, the Hopkinton, Mass.-based storage giant NetApp would love to supplant, is hardly in trouble. In fact, it is perhaps among the healthiest of hardware companies in the IT industry. And with $9.6 billion-plus in revenue, EMC still dwarfs NetApp in overall scale and breadth of products. Yet, unlike large-scale systems, NetApp's midrange products lie in the sweet spot of the market. That's because midrange systems can manage storage just as reliably, if not more so, at a fraction of the cost. For that reason, many argue that EMC's biggest rival in storage may not be IBM, but NetApp.

As it turns out, it's both. Late last year, when IBM moved Andy Monshaw back to run its struggling storage business, it became apparent the company had a gaping product hole and flat growth in its midrange storage line. IBM's NAS 50G hardly lit the world on fire. Describing NetApp as the "one clear choice" to bolster IBM's portfolio, Monshaw and his team aggressively pursued a deal with NetApp. In April, the two companies agreed to the OEM pact.

"It gives them additional credibility in those high-end shops where those guys are bigoted against them," GTSI's Krauss says.

Common Software Platform

On the technology front, one of NetApp's key advantages is its recently released DataOnTap7g platform, which is the single operating environment for all its products, including its NAS filers, SANs and iSCSI systems. By contrast, EMC has fragmented operating environments. NetApp's single architecture is simpler from a programming and management perspective, and prevents interoperability problems, according to Warmenhoven.

That resonates well with many partners, including Forsythe Technology, which carries storage products from EMC, HP and virtually every major vendor. "It comes down to simplicity," says Jim Geis, Forsythe's director of storage solutions. "You don't need to learn a new piece of software for different products."

DataOnTap7g lets organizations bring their storage utilizations up from the average of 30 to 40 percent to 70 to 80 percent using a technology NetApp calls FlexVol, which enables an administrator to reclaim and reallocate unneeded space, thus lowering costs. That level of virtualization makes it possible to simplify how customers configure data. With FlexVol, administrators can spread volumes across 100 drives vs. 14, notes Trace3 CEO Hayes Drumwright, a NetApp partner.

"Now, because of dual parity, you can have two drives fail and not have a RAID group go down, which allows you to greatly expand how big you make RAID groups," Drumwright says.

Such innovation is encouraging VARs to work with NetApp. Take DataLink, one of NetApp's largest partners, which also counts EMC and Hitachi as key partners. DataLink's NetApp business doubled last year, says Robinson, who applauds NetApp for being out ahead on a number of technologies.

"They are early to market in combining some of that functionality with some of the virtualization capabilities they have with DataOnTap7g," Robinson says.

Carving Its Own Niche

But if NetApp hopes to become a multibillion-dollar player, it's going to have to find new areas of growth. Warmenhoven has placed a big bet on Decru, for which he plunked down $272 million, or nearly 10 times the annual revenue of that company. And he believes that accurate high-profile data losses will justify the premium paid for Decru.

"It's the solution the market has been crying out for, but no one has been able to deliver," Warmenhoven says.

Decru and NetApp have begun developing a solution called CardVault that stores secure credit-card data and supports the Payment Card Industry, or PCI, standards, which mandate that merchants and payment-processing providers use best practices to secure credit-card data.

Challenges Ahead

Can NetApp ever catch up to EMC? Many still perceive NetApp as a one-trick pony with its NAS offerings.

"Even though I think they have a great performing disk, how do you say it performs against a [Hitachi] TagmaStore or [an EMC] DMX?" asks Nick Cellentani, vice president of storage consulting at solution provider Adexis in Columbus, Ohio.

While Howard Elias, executive vice president of EMC's office of technology, describes NetApp as a "tough competitor," he shrugs the vendor off as a meaningful threat. Elias says EMC's midrange business is growing at rates ranging from 40 percent to 50 percent. "We have a larger business that's actually growing faster than NetApp," Elias says.

Yet there is no denying NetApp is knocking at the door of the tier-one storage market through technology innovation, business deals and a newfound channel push. If NetApp keeps growing at the same rate, the tier-one big boys just may have to let it in.

NetApp AT A GLANCE

Year founded: 1992

Number of employees: 3,900

Revenue: $1.6 billion (FY 2005)

FY 2005 gross margins: $237 million, up 48%

% of commercial Sales through the channel: 45% vs. 36 % in the year prior

% of NA government Sales through channel: 80%

Total % of gross Sales Through Channel: 60%

Worldwide offices: 89

Worldwide installations: 60,000

Key Customers: Bank of America, Citicorp Securities, CSX, Lockheed Martin, Merrill Lynch, Oracle, Texas Instruments, Wachovia and Yahoo!

Key products: Fabric Attached Storage (FAS) Series for primary storage, NearStoreR200 for nearline backup, V-Series storage virtualization, NetCache for content and Web delivery, DataOnTap operating system


Network Appliances Information

No result found, try new keyword!Network appliances are inexpensive personal computers (PC) or computer boards that provide Internet access and promote network security. They lack many of the features of fully-equipped PCs, however.

MPPSC Prelims Syllabus 2023, PDF Download

MPPSC Syllabus 2023: The Madhya Pradesh Public Service Commission (MPPSC) syllabus consists of the History of MP & India, the Geography of MP & India, the constitutional system, science & technology and general aptitude. download the MPSC Prelims Syllabus PDF and test Pattern here. All interested and eligible aspirants for MPPSC should download the latest MPPSC syllabus and test pattern and align their preparation accordingly.

Apart from the MPPSC syllabus, candidates should be well-acquainted with the MPPSC test pattern to understand the test format, number of sections, total marks, and marking scheme prescribed by the commission. As per the test expert analysis, it is reported that the questions asked in the MPPSC prelims test are usually moderate in nature. Hence, aspirants must be familiar with the MPPSC State Service test Syllabus and create a list of syllabus based on their marks weightage and difficulty level.

In this blog, a detailed MPPSC Prelims Syllabus PDF is compiled, including the MPPSC Prelims test pattern, preparation strategy, and list of important books.

MPPSC Prelims Syllabus 2023

Here is the major overview of the MPPSC Prelims syllabus and test pattern tabulated below for the reference of the candidates aspiring for the upcoming civil service exam.

MPPSC Prelims Syllabus 2023

Exam Conducting Body

Madhya Pradesh Public Service Commission

Exam Name

State Service test 2023

Category

MPPSC Prelims Syllabus and test Pattern 2023

Selection Process

Prelims, Mains, and Interview

Maximum Marks

200

Duration

2 hours for each paper

Negative Marking

No negative marking

MPPSC Prelims Syllabus 2023 PDF

Candidates must download the MPPSC Prelims Syllabus PDF from the links shared below to learn about the syllabus that need priority in the preparation. Get the direct link to download the MPPSC Syllabus 2023 PDF for the preliminary exam.

MPPSC Prelims Syllabus 2023-Important Topics

The MPPSC Prelims Syllabus PDF is divided into two papers, i.e., General Studies and General Aptitude Test. Both papers comprise objective-type questions, each carrying 200 marks. Check the topic-wise MPPSC Prelims Syllabus 2023 for all the sections below.

MPPSC Prelims Syllabus 2023 for General Studies

The MPPSC General Studies Syllabus PDF is divided into various sections, such as the history of MP & India, the Geography of MP, India, and the World, the constitutional system, science & technology, information and communication technology, etc. Check the detailed MPPSC Prelims Syllabus 2023 for General Studies below.

MPPSC Prelims Syllabus 2023 for General Studies

Section

Topics

History, Culture, and Literature of Madhya Pradesh

Contribution of Madhya Pradesh to the freedom movement.

Major-arts and Sculpture of Madhya Pradesh.

Major Tribes and Dialect of Madhya Pradesh.

Major festivals, Polk music, Folk arts and folk literature of Madhya Pradesh.

Important Literator of Madhya Pradesh and their literature.

Religious and tourist places of Madhya Pradesh.

History of India

Major features, Events, and administrative, Social, and Economic Systems of Ancient and Medieval India.

Social and Religious reform movements in the 19th and 20th century.

Independence Struggle and Indian National Movement for Freedom

Integration and Reorganization of India after Independence.

Geography of Madhya Pradesh

Forest, Forest Produce, Wildlife. Rivers, Mountains and Mountain ranges of Madhya Pradesh.

Climate of Madhya Pradesh.

Natural and Mineral Resources of Madhya Pradesh.

Transports in Madhya Pradesh.

Major Irrigation and Electrical Projects in Madhya Pradesh.

Agriculture, Animal husbandry, and Agriculture based industries in Madhya Pradesh.

Geography of World and India

Physical Geography Physical features and Natural regions.

Natural Resources: Forest, Mineral resources, Water, Agriculture, Wildlife, National Parks/Sanctuaries/Safari.

Social Geography:- Population related, demography (Population growth, Sex Ratio, Literacy, and Economic activities)

Economic Geography: Natural and Human resources (Industry; Modes of Transport)

Continents/Countries/Oceans/Rivers/Mountains of the world.

Conventional and Non-Conventional Energy Resources.

Constitutional System of Madhya Pradesh

Constitutional System of Madhya Pradesh (Governor, Council of Ministers, Legislative Assembly, High Court)

Three Tier System of Panchayati Raj and Urban Administration in Madhya Pradesh

Economy of Madhya Pradesh

Demography and Census of Madhya Pradesh

Economic Development of Madhya Pradesh

Major Industries of Madhya Pradesh, etc.

Constitution, Government, and Economy of India

Government India Act 1919 and 1935.

Constituent Assembly.

Union Executive, President and Parliament.

Fundamental Rights and Duties of the Citizens and Directive Principles of State Policy.

Constitutional Amendments.

Supreme Court and Judicial System.

Indian Economy, Industrial Development and Foreign Trade, Import and Export.

Financial Institutions- Reserve Bank of India, Nationalised Banks, Security and Exchange Board of India (SEBI), National Stock Exchange (NSE), Non-Banking Financial Institutions.

Science and Technology

Basic Principles of Science.

Important Indian Scientific Research Institutions and their Achievements, Satellite and Space Technology.

Environment and Biodiversity.

Ecological System.

Nutrition, Food and Nutrient.

Human Body.

Agricultural Product Technology.

Food Processing.

Health Policy and Programmes.

Pollution, Natural Disasters and Management.

Current International and National Affairs

Important Personalities and Places.

Major Events.

Important Sports Institutes, Sports Competitions and Awards of India and Madhya Pradesh.

Information and Communication Technology

Electronics, Information and Communication Technology.

Robotics, Artificial Intelligence and Cyber Security.

E-Governance.

Internet and Social Networking Sites.

E-commerce.

National and Regional Constitutional/Statutory Bodies

Election Commission of India.

State Election Commission.

Union Public Service Commission.

Madhya Pradesh Public Service Commission.

Comptroller and Auditor General.

NITI Aayog.

Human Rights Commission.

Women Commission.

Child Protection Commission.

Scheduled Castes and Scheduled Tribes Commission.

Backward class Commission.

Information Commission.

Vigilance Commission.

National Green Tribunal.

Food Preservation Commission etc.

MPPSC Prelims Syllabus 2023 for General Aptitude Test

The MPPSC General Aptitude Test Syllabus PDF is divided into various sections, such as comprehension, logical reasoning & analytical ability, general mental ability, basic numeracy, decision making, etc. Check the detailed MPPSC Prelims Syllabus 2023 for the General Aptitude Test below.

  • Comprehension.
  • Interpersonal skills including communication skills.
  • Logical reasoning and analytical ability.
  • Decision-making and problem-solving.
  • General mental ability.
  • Basic numeracy (number and their relations, order of magnitude, etc-Class X level). Data Interpretation (charts, graphs, table, data, sufficiency, etc-Class X level).
  • Hindi Language Comprehension Skill (Class X level).
  • MPPSC Prelims test Pattern 2023

    The MPPSC prelims examination consists of two papers i.e. General Studies and General Aptitude test and each paper will be of 2 hours of duration. Check the details below for the MPPSC prelims test pattern 

  • The MPPSC Prelims test comprises objective-type multiple-choice questions.
  • There are two papers in the MPPSC state service prelims test pattern i.e., General Studies and General Aptitude Test.
  • The test duration for each paper shall be 2 hours.
  • There shall be no negative marking for incorrect answers in the MPPSC Prelims exam.
  • MPPSC Prelims test Pattern 2023

    Subject

    Maximum Marks

    Duration

    General Studies

    200

    2 hours

    General Aptitude Test

    200

    2 hours

    How to Cover MPPSC Prelims Syllabus 2023?

    MPPSC State Service test is one of the most popular competitive exams in Madhya Pradesh. Many candidates apply for this prelims exam, but only a few can ace it with a well-planned strategy and the use of the right study material. Hence, analyzing the MPPSC syllabus is crucial to cover all the syllabus and their sub-topics. Here are the expert-recommended tips and tricks to crack the MPPSC State Service test 2023.

  • Check the MPPSC Prelims syllabus and test pattern carefully and prioritize higher-weightage syllabus in the study plan.
  • Get your hands on the best MPPSC prelims books and study materials to build conceptual clarity and learn core syllabus in a clear and defined manner.
  • Attempt mock tests and MPPSC previous year's question papers to get insights into the nature and difficulty level of syllabus asked in the exam.
  • Revise all the syllabus regularly to avoid forgetting any important concept on the test day.
  • Best Books to Cover MPPSC Prelims Syllabus 2023

    Candidates should pick the finest MPPSC prelims books based on the revised test requirements, trends, and format. This will help them to build a strong grip on the syllabus specified in the MPPSC Prelims Syllabus PDF. Check the expert-recommended MPPSC Prelims Syllabus PDF below.

  • Indian Polity (4 & 5edition) by M. Laxmikant
  • Madhya Pradesh Ek Parichaya by McGraw Hill Publication
  • Fast track objective Arithmetic by Rajesh Verma
  • Spectrum for Modern Indian History by Rajiv Ahir
  • Quantitative Aptitude for competitive test by RS Agarwal
  • A new approach to reasoning verbal, non-verbal & Analytical by Arihant Publication
  • Indian Yearbook by GOI Publication
  • An Introduction to Madhya Pradesh General Knowledge by Sonali Bansal
  • Also Read,


     


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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