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 : PAL-I
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PAL-I test Format | PAL-I Course Contents | PAL-I Course Outline | PAL-I test Syllabus | PAL-I test Objectives

Test Details:
- test Name: Scrum PAL-I (Professional Agile Leadership - I)
- test Format: Multiple-choice questions
- test Duration: 60 minutes
- Passing Score: 85%
- Prerequisites: None
- Certification Validity: Lifetime

Course Outline: Scrum PAL-I Professional Agile Leadership (PAL-I)

I. Introduction to Agile Leadership
A. Understanding Agile leadership principles and values
B. Differentiating between traditional and Agile leadership styles
C. Role of Agile leaders in driving organizational agility

II. Agile Organization and Culture
A. Creating an Agile organization and culture
B. Promoting transparency and collaboration
C. Nurturing a learning mindset and embracing change

III. Servant Leadership
A. Characteristics of a servant leader
B. Empowering teams and facilitating their success
C. Removing impediments and enabling continuous improvement

IV. Agile Coaching and Mentoring
A. Role of Agile coaches and mentors
B. Coaching techniques and skills
C. Mentoring Agile teams and individuals

V. Agile Leadership in Practice
A. Leading Agile teams and managing self-organizing teams
B. Facilitating Agile ceremonies and events
C. Promoting Agile practices and frameworks

VI. Agile Leadership and Stakeholder Engagement
A. Engaging and aligning stakeholders in Agile initiatives
B. Communicating effectively with stakeholders
C. Managing expectations and building trust

Exam Objectives:
- Understand the principles and values of Agile leadership
- Apply Agile leadership practices to create an Agile organization and culture
- Embrace servant leadership and empower teams for success
- Coach and mentor Agile teams and individuals effectively
- Apply Agile leadership in practice, including leading Agile teams and facilitating Agile ceremonies
- Engage and align stakeholders in Agile initiatives and build effective relationships

The syllabus for the Scrum PAL-I Professional Agile Leadership course will cover the following topics:
- Introduction to Agile Leadership
- Agile Organization and Culture
- Servant Leadership
- Agile Coaching and Mentoring
- Agile Leadership in Practice
- Agile Leadership and Stakeholder Engagement

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Shaved heads for pal battling brain tumour

PALS of a man who is receiving treatment for an aggressive brain tumour have shaved their heads in solidarity after his hair started falling out.

Recruitment consultant Craig Jacques, 31, from Blackrod, collapsed in the bathroom as he was Preparing for work one morning back in December 2019.

It was later discovered he had a brain tumour. It has since turned more aggressive and Craig is now receiving radiotherapy most mornings before work at The Christie hospital in Didsbury, Manchester - which resulted in him losing his hair three weeks ago.

Now, Rai Hirst, from Horwich, and Colin Meakin from Atherton - who have been pals with Craig for around 14 years - have shaved their heads to support him.

And they are raising money for The Christie in the process, having set up a JustGiving campaign.

Pal Rai Hirst said: "Craig is going through the biggest challenge of his life and fighting it.

“But part of his treatment means he is going to be losing his hair. As mates, they refuse to let him go bald on his own.

“So while he is bald, so will they be and they will do this in aid of the amazing staff at The Christie who are fighting with him.

“Craig is such a kind and quiet gent. He’s so stoic and brave. He’s an amazing guy.”

The Christie charity provides enhanced services over and above what the NHS funds for more than 44,000 cancer patients treated at the hospital every year.

So far, £650 has been raised on the Just Giving page from 43 donors - smashing the original target of £500.

Craig says he is lucky to have the support of wife Kirsty, a teaching assistant, his two-year-old daughter Jessica-Iris and the rest of his family and friends.

He said: “We’ll just have to wait and see what happens, but I know I’m in the care of some of the best doctors and nurses.

“I trust their expertise, and I just have to take each day as it comes.”

Vanderpump Rules' Ariana Madix Says Pal Jesse Montana Has a Brain Tumor

Ariana Madix says Vanderpump Rules guest star Jesse Montana has been diagnosed with a brain tumor.

“No one is cooler than my dear friend @thejessemontana


right now he needs their good thoughts and their help,” Madix, 38, shared via Instagram on Saturday, December 2.

Montana, a singer and model, has made multiple appearances on Pump Rules over the years. Madix put the word out that Montana needs help with medical bills, sharing a link to his GoFundMe page.

“The short version is this: jesse has a tumor in his brain and will be having surgery this coming monday,” Us Weekly‘s Reality Star of the Year explained. “Jesse is truly one of a kind in every way. if you are lucky enough to meet him, you are immediately struck by his generosity and beauty inside and out. i love you so much. dark crystal unicorn elixir of life always and forever



you got this



Vanderpump Rules Where Are They Now

Related: ‘Vanderpump Rules’ Cast: Then and Now

While some things never change, the cast of Vanderpump Rules is used to a shake-up … and a touch-up. Vanderpump Rules was introduced to Bravo viewers during a special episode of The Real Housewives of Beverly Hills in January 2013. Season 1 starred Lisa Vanderpump, who was a Beverly Hills Housewife at the time, Stassi […]

Scheana Shay replied with prayer hands emojis. Brittany Cartwright also replied with the prayer emoji and shared a link to the fundraiser via her Instagram Story.

The GoFundMe page notes that Jesse had no prior symptoms of a brain tumor until he suffered three seizures on Monday, November 27. Doctors couldn’t operate immediately due to his kidneys not functioning properly. His medical team treated the issue and is now set to remove his brain tumor on Monday, December 4.

Courtesy of Ariana Madix/Instagram

“As most of you know, American healthcare is sadly not at a place where it should be and even with health insurance this is set to leave a financial burden on Jesse — stress they really do not need to deal with during his recovery,” the page explains. “If you know Jesse at all, you know he would do absolutely anything for his friends and family. He’s always the first person there when anybody needs anything and they want to help support him in anyway possible.”

Stassi Schroeder Celebrates Her Birthday With Former ‘Vanderpump Rules’ Costars Kristen Doute and Jax Taylor

Related: ‘Vanderpump Rules' Stars Who Left the Series: Where Are They Now?

Several Vanderpump Rules stars have stepped away from the Bravo series over the years. Cameras started following the staff at Lisa Vanderpump’s West Hollywood restaurant SUR in 2012 after she rose to fame on The Real Housewives of Beverly Hills. Season 1 of Pump Rules, which premiered in January 2013, starred Lisa, Stassi Schroeder, Jax […]

Within four hours of launching the campaign, the fundraiser for Montana’s medical expenses received over $15,000. The goal has been set at $100,000.

Vanderpump Rules fans may remember Montana as the person who told Cartwright that Jax Taylor cheated with Faith Stowers in season 6, which aired in 2017. He exclusively told Us Weekly at the time that he supported Taylor and Cartwright’s decision to stay together.

“We’re all human, they all make mistakes, so at the end of the day, I am pro-Jax and Brittany, as long as they’re both happy that’s all that really matters,” Montana told Us at the time.

Taylor and Cartwright went on to get married in 2019 and welcomed son Cruz in 2021.


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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