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 : NSE4_FGT-7.2
Exam Name : Fortinet NSE 4 - FortiOS 7.2
Vendor Name : Fortinet
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NSE4_FGT-7.2 test Format | NSE4_FGT-7.2 Course Contents | NSE4_FGT-7.2 Course Outline | NSE4_FGT-7.2 test Syllabus | NSE4_FGT-7.2 test Objectives

Exam Specification:

- test Name: NSE4_FGT-7.2 Fortinet NSE 4 - FortiOS 7.2
- test Code: NSE4_FGT-7.2
- test Duration: 120 minutes
- test Format: Multiple-choice questions
- Passing Score: 70%

Course Outline:

1. Introduction to Fortinet Security Fabric
- Fortinet Security Fabric overview
- Fortinet security products and solutions

2. Fortinet Security Devices and Architecture
- Fortinet FortiGate device features and capabilities
- Fortinet FortiGate architecture and deployment scenarios
- Fortinet FortiGate high availability and clustering

3. FortiOS 7.2 Administration
- FortiOS 7.2 management interface and CLI
- Configuration and administration of Fortinet FortiGate devices
- User authentication and access control

4. Firewall Policies and Security Profiles
- Creating and managing firewall policies
- Application control and web filtering
- Intrusion prevention system (IPS) and antivirus

5. VPN Concepts and Deployment
- VPN fundamentals and types
- Site-to-site VPN configuration
- Remote access VPN configuration

6. Network Address Translation (NAT)
- NAT concepts and types
- Static NAT and dynamic NAT configurations
- Port forwarding and virtual IPs

7. Fortinet FortiAnalyzer and FortiManager
- Log collection and analysis with FortiAnalyzer
- Centralized management with FortiManager

Exam Objectives:

1. Understand the Fortinet Security Fabric and its components.
2. Configure and manage Fortinet FortiGate devices.
3. Administer FortiOS 7.2 features and functionalities.
4. Create and manage firewall policies and security profiles.
5. Deploy and configure VPN solutions.
6. Implement Network Address Translation (NAT) configurations.
7. Utilize Fortinet FortiAnalyzer and FortiManager for log analysis and centralized management.

Exam Syllabus:

The test syllabus covers the following courses (but is not limited to):

- Fortinet Security Fabric overview and components
- Fortinet FortiGate device features, architecture, and deployment scenarios
- FortiOS 7.2 administration and configuration
- Firewall policies and security profiles for network protection
- VPN concepts, site-to-site VPN, and remote access VPN configuration
- Network Address Translation (NAT) configurations
- Log collection and analysis with FortiAnalyzer
- Centralized management with FortiManager

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Fortinet 4 Practice Questions


The PGA Tour regular season is over. These 4 questions remain

By: Sean Zak August 6, 2023

Justin Thomas' Ryder Cup hopes are stuck in limbo.

Getty Images

Three hundred and twenty five days and 44 tournaments ago, the 2022-23 PGA Tour season began. On Sunday it came to a ceremonious end, with just 70 players advancing to next week’s FedEx St. Jude Championship in Memphis. 

If that feels different than normal, that’s because it is. In years past, they would be anxiously watching the FedEx Standings around the 120-130 mark, curious who might lose full status on the Tour. Things are different now. They watched the 65-75 mark all week, focusing on just a few players who turned the Wyndham Championship into a playoff play-in event. A playoff before the playoffs. 

Now that the dust has mostly settled and they turn to a three-week sprint for millions upon millions in bonus money, a few important questions remain. 

1. Has Justin Thomas done enough? 

It’s been a question we’ve been asking for weeks now. They asked it of Zach Johnson when Thomas missed the cut at the Open Championship in July. They asked it again a week later when he missed the cut at the 3M Open in Minnesota and he may have answered it himself when he committed to play this week’s event.

Thomas made the cut at the Wyndham with a sterling 65 in the second round and continued his way up the leaderboard (and in playoff contention) with 66 Saturday. But does that solve his Ryder Cup riddle? Only Zach Johnson really knows. Thomas needed at top 10 finish this week to earn a berth in next week’s playoffs, and at the time of this writing, he came excruciatingly close, but appears he will miss out. With his PGA Tour season looking like it could end this week, his playing audition for a Ryder Cup captain’s pick is also looking to be finished. 

So…has he done enough? Thomas ranks in the mid-teens in the points chase. He’s got as good of experience in the event as anyone up for a spot. He wasn’t in contention this week in North Carolina, but he did beat 140+ top-level professionals. Could that sway Captain Johnson in his favor? 

With 13 birdies and a 40-footer on 18, LIV’s Bryson DeChambeau shoots 58 By: Nick Piastowski 2. How weird will the first fall series be? 

Those who don’t advance to next week’s first playoff event will have five weeks off before Fortinet Championship and the official beginning of the PGA Tour’s new fall series. ‘FedEx Cup Fall’ is the official moniker of the eight events that conclude in mid-November at the RSM Classic. Anyone who really wants to play these events can. Max Homa, for example, will surely play the Fortinet, where he is the defending champion. But the only things Homa will gain from playing that event would be world ranking points and money. Good vibes, too. Just no FedEx Cup points.

The fall will now be a reordering stretch where, say, a Joel Dahmen — who finished the season 84th — can play his way into the first two Signature events of 2024 following the Tournament of Champions. On the other hand, players will want to play enough to remain within the top 125 to maintain full status on the Tour. Will this make the RSM automatically more interesting than it’s ever been? Probably. Will people be that interested in the lower end of the membership grinding during the glut of NFL football season? Probably not. 

For those reasons, they could have the fall actually live up to the “silly season” nickname it has long held. It’ll be for the nerdiest of PGA Tour nerds. And that’ll probably make it great.

3. Who will win Player of the Year? 

This is one of those questions that I think about year-round. In Hawaii when the first big-time events are won and in March at the Players and especially in the summer during the glut of major championships. How much do players think about it? Definitely less. The gap was never more obvious than when I asked Jon Rahm how much he was considering the Player of the Year race after the Open Championship.

“Well, goal was to hopefully win an Open,” Rahm said, a bit annoyed. “That’s done. So now focus on the Playoffs. That’s all I can say. Good golf takes care of things.”

In other words, Sean you’re thinking about this. I’m not. Next question. 

Even if Rahm would rather not discuss it, the POY question is only going to linger throughout the playoffs. Many a POY award has been won with a great stretch of play during the final few events. Just ask Rory McIlroy, Brooks Koepka, Patrick Cantlay and Rahm. All four of those men have either had a POY lead taken from them late, or they snatched the lead themselves and were holding the hardware a month later. 

As far as 2023 goes, it’s really just a two-horse race. Jon Rahm has won four times, one of them being a major championship, but cooled off his torrid pace in the summer. Scottie Scheffler compiled a ridiculous 19-straight top 12 finishes, won twice, one of those at the Players Championship, by five strokes no less. Who was better this year? Who accomplished more? All these things are up to the membership to decide. As much as I clearly care about these things more than Jon Rahm seems to, he has a vote and I don’t. 

4. Does the PGA Tour grab control while the lights are brightest? 

There are many more questions than these four swirling about outside the ropes. Connecticut senator Richard Blumenthal wants the Saudi PIF leader Yasir Al-Rumayyan to sit for a hearing. Investigations by various government bodies are ongoing. The PGA Tour membership of players has made a exact stake for greater control by naming Tiger Woods to the policy board. Negotiations between the Tour and the PIF continue, but the deadline of December 31 hangs in the air. 

For the next few weeks, before the Ryder Cup and Solheim Cup begin to dominate the news cycle, does the PGA Tour earn some favor from its membership, its fans, its sponsors, etc. as it tries to make everything copacetic once again.

The Tour will officially announce its 2024 schedule this coming week — along with record-breaking purse totals — but will commissioner Jay Monahan being back at work lead to some greater form of transparency? Will the pressure of accountability from top pros begin to bear fruit? The next few months will tell us a lot.

Fortinet cuts revenue forecast on weak IT spending, shares plummet

Aug 3 (Reuters) - Cybersecurity firm Fortinet (FTNT.O) cut its annual revenue forecast on Thursday as spending from enterprise clients remained tight amid a turbulent economy, sending its shares down more than 17% after the bell.

Fortinet now expects annual revenue between $5.35 billion and $5.45 billion compared with a prior view of $5.43 billion to $5.49 billion.

Stubborn inflation and rising borrowing costs have made companies cut back on their IT spending.

As customers shift to more long-term investments, Fortinet's near-term revenue growth continues to take a hit while it also faces tough competition from bigger rivals like Palo Alto Networks (PANW.O).

Fortinet's operating margin too has come under pressure from its increased hiring to boost sales and marketing. It expects annual operating margin to range between 25.25% and 26.25% compared to 27.3% in 2022.

It posted total revenue of $1.29 billion for the second quarter and missed expectations of $1.30 billion, according to Refinitiv data.

It earned adjusted profit of 38 cents per share, which beat expectations of 34 cents.

Reporting by Yamini Kalia in Bengaluru; Editing by Maju Samuel and Arun Koyyur

Our Standards: The Thomson Reuters Trust Principles.

My ‘Sweater Theory’ in Practice

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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