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-Open-Group OG0-061 : IT4IT Part 1 ACTUAL EXAM QUESTIONS

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OG0-061 test Format | OG0-061 Course Contents | OG0-061 Course Outline | OG0-061 test Syllabus | OG0-061 test Objectives

Exam Name: IT4IT Part 1 Exam

Exam Number: OG0-061 - English

Qualification upon passing: IT4IT Foundation (and partial credit towards a future Level 2 qualification)

Delivered at: Authorized test Provider Test Centers and also available as an Online Proctored exam.

Prerequisites: None

Supervised: Yes

Open Book: No

Exam type: Simple Multiple choice

Number of questions: 40

Pass score: 65% (26 out of 40 questions)

Time limit: 60 minutes (*)

Retake policy: If you fail the test you must wait one month before another attempt

The Open Group Certification for People: IT4IT Certification Program (the Program) makes certification available to people who demonstrate knowledge and understanding of the IT4IT Body of Knowledge. The Program also provides accreditation for training courses designed to help people acquire the necessary knowledge and understanding of the Body of Knowledge in order for the person to achieve certification.

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A Guide to Attending the U.S. Open

There's nothing better than ending your summer at the U.S. Open. The annual tennis tournament, which takes place at the USTA Billie Jean King National Tennis Center in Flushing Meadows, is a major scene. Just like

the British royals are guaranteed to show up at Wimbledon, the U.S. Open is a celebrity magnet. In the first three days of the 2022 tournament alone, everyone from former president Bill Clinton to Zendaya to Ben Stiller was spotted in the stands at Arthur Ashe Stadium.

The Open truly has something for everyone: You can watch tennis, or just socialize. (Or do both with a honey deuce in hand! We're not stopping you.) From what to drink to what to wear to when to watch the best tennis, here's T&C's guide to attending the U.S. Open.

Get your tickets to the U.S. Open as early as you can. 2022 us open

A general view as fans walk the grounds at the Billie Jean King National Tennis Center.

Julian Finney//Getty Images

The draw for the tournament typically comes out just a few days before it begins, and the order of play for each day is not announced until the day before. Therefore, the best way to go see tennis at the U.S. Open is to buy your tickets before you know who is playing. The USTA does a great job of making sure there are superstars during each session, so you will almost certainly see a top player no matter when you go.

There are three main types of tickets you can purchase to the Open: to Arthur Ashe Stadium, Louis Armstrong Stadium, or a Grounds Pass. If you're looking to see that superstar match, get an Ashe ticket (they sell them for both day session and night session matches). If you're looking to go early in the tournament, get a Grounds Pass—it gets you access to every court except Ashe, and you can see some great tennis up close for a relatively affordable price.

If you wait to buy a ticket until the tournament starts, you can typically find them for on Ticketmaster and StubHub.

Get 2023 U.S. Open tickets on Ticketmaster

Get 2023 U.S. Open tickets on StubHub

The earlier in the tournament you go, the more tennis you'll see. 2022 us open day 1

Coco Gauff after her round one match during the U.S. Open.

Elsa//Getty Images

The most fun part of the U.S. Open is watching matches on the side courts, where you can see incredible players up close. If you go during the early rounds, there's way more tennis happening—just by nature of the tournament. And, if you go during the day session, you're likely to see more than the night session. (More matches get scheduled for the daytime.)

But the real secret is to go to the Open during fan week, a week before the tournament kicks off, when you can watch the qualifying matches and see all the greats practice for free.

How to get there

The Billie Jean King Tennis Center is an easy ride on the LIRR or the 7 train to get to the tournament, and absolutely worth a trip. (Pro tip for 2023: don't drive yourself. Since Citi Field and the Billie Jean King Tennis Center are neighbors, they share parking, but this year, the Mets are playing at home for five of the same nights as the U.S. Open—so parking is extremely limited.)

What to eat and drink at the U.S. Open grey goose toasts honeydeuce season at the 2017 us open

If you go to the U.S. Open, you have to drink a honey deuce.

Brad Barket//Getty Images

Did you really go to the U.S. Open if you didn't drink a honey deuce? The official cocktail of the tournament is a refreshing vodka, lemonade, and raspberry liqueur drink, served with honeydew melon balls that evoke tennis balls.

In 2023, tequila brand Maestro Dobel announced a new partnership with the US Open, and they will be serving their Ace Paloma during the tournament. Aperol, too joined as a sponsor, so Aperol Spritzes will be available for the first time. If you'd rather a beer, Heineken has various pop-ups throughout the tournament grounds, or if an an expresso martini is more your style, Lavazza serves them.

A plethora of food choices are also available. There's your classic stadium fare, like burgers, hot dogs, and french fries, and some gourmet choices, like Bar Tartine in Arthur Ashe Stadium.

What to wear to the U.S. Open meghan markle 2019 us open tennis championships

Meghan Markle at the 2019 U.S. Open.

Gotham//Getty Images

Use the Open as an excuse to jump on the tenniscore trend with a chic tennis sweater or a versatile tennis skirt; however, there's no set dress code for what to wear to the U.S. Open. It's still typically hot and humid in New York City in late August and early September, so make sure you wear something light and breezy to the day session. If you're going to a night session, don't forget to bring a sweater or a denim jacket.

Where (and when) to get merch

US Open Collection Men's 2023 Theme Art T-Shirt - Navy

The U.S. Open t-shirts change every year, so if you make an annual pilgrimage, expect to see a new design. There are a few merch shops scattered throughout the grounds, but the easiest place to buy a t-shirt or a hat will be at the stand-alone T-shirt kiosks. The lines move quickly, especially if you go during a changeover in a big match. (You can also shop online.) If you're looking for something a bit more high fashion, Polo Ralph Lauren is also on the grounds—it's located inside the Louis Armstrong Stadium.

Emily Burack (she/her) is the news writer for Town & Country, where she covers entertainment, culture, the royals, and a range of other subjects. Before joining T&C, she was the deputy managing editor at Hey Alma, a Jewish culture site. Follow her @emburack on Twitter and Instagram.

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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