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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PCNSE test Format | PCNSE Course Contents | PCNSE Course Outline | PCNSE test Syllabus | PCNSE test Objectives
PCNSE - Palo Alto Networks Certified Network Security Engineer
The test covers the following topics:
Plan
Deploy and Configure
Operate
Configuration Troubleshooting
Core Concepts
The test covers the following topics:
Next-Generation Security Platform and Architecture
Firewall Configuration
Security and NAT Policies
App-ID
Content-ID
User-ID
URL Filtering
Monitoring and Reporting
Security Best Practices
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Where Will Palo Alto Networks Stock Be in 1 Year?No result found, try new keyword!Palo Alto Networks is one of the world's largest cybersecurity companies. It has more than 80,000 enterprise customers worldwide, including most of the Fortune 100 and Global 2000 companies.Why Palo Alto Networks Stock Is Soaring TodayNo result found, try new keyword!Palo Alto Networks ( PANW 15.88%) stock is seeing strong gains on the heels of its fourth-quarter earnings release for its last fiscal year, which ended July 31. The company's share price was up 16% ...VMware Explore 2023 Extends Into Cloud Networking And SecurityVMware Explore 2023 Will TownsendThis year, the VMware Explore 2023 world tour kicked off in Las Vegas, with regional conferences planned for Barcelona, Singapore, Sao Paulo and Tokyo later this fall. There were a handful of announcements that I found compelling at the U.S. event, and I would like to share my insights. In particular, I believe that VMware can Strengthen in some areas to compete for a greater share of wallet, especially with mid-market companies—so let’s dive in. Networking announcements VMware NSX is the company’s cloud networking software-as-a-service (SaaS) solution; it integrates security to enable consistent policy, operations and automation across multi-cloud environments. At VMware Explore, the company announced its newest cloud-managed service offering—NSX+. As the name implies, NSX+ provides incremental enhancements, including support for global policy management, improving network and application visibility and providing consistent access control through a single click. From a security standpoint, NSX+ integrates VMware’s network detection response (NDR) and Carbon Black endpoint security capabilities into a single service. This has the potential to ease management and harden security by employing zero-trust principles across hybrid and multi-cloud instances. The convergence of networking and security is not new, but what I like about NSX+ is its ability to operate across AWS, Microsoft Azure and other public cloud platforms, simplifying the journey for both network and security operations staff. Also worth noting is the company’s introduction of NSX+ virtual private clouds (VPCs) to facilitate the complete isolation of networking, security and adjacent services. This enhancement is designed to prevent impact to other tenants while enabling developer and application teams to select optimal cloud resources based on application requirements. I like VPCs' flexibility and the potential to accelerate developer innovation and provide improved application performance and end-user experiences. Finally, VMware announced the initial availability of its VMware Private Mobile Network Service, a managed private cellular connectivity service for enterprises. VMware will provide the orchestration layer and private converged 4G and 5G core to facilitate overall management and integration into existing IT environments, both on-premises and in the cloud. The company is wisely partnering with Federated Wireless as one of its initial launch partners to build and operate the requisite 4G and 5G on-premises radio access network infrastructure, which spans Citizens Broadband Radio Service (CBRS) and privately licensed spectrum. Federated Wireless continues to demonstrate a solid track record in private networking and should help accelerate the new service’s adoption. It’s good to see that VMware has entered the private networking space, but I wonder if the company is late to the game. Cisco, Cradlepoint and Nokia each have very mature private networking offerings and a considerable lead in market adoption. Consequently, VMware must make a solid case to vie for market share. Security announcements VMware’s Ransomware Recovery as-a-service solution was launched last year. Fundamentally, it facilitates the automation of workflows that isolate recovery environments in the cloud to prevent reinfection. This year at VMware Explore, the company announced enhancements that expand protection and accelerate recovery. New support for concurrent multi-virtual machine (VM) recovery operations aims to Strengthen the overall efficiency of the solution. Production VMs can also run in the cloud during forensics analysis before production workflows return on-premises. It's all very compelling, but seems complex compared to startup Airgap Networks, which offers a seemingly more straightforward Ransomware Kill Switch that is cloud-managed and does not require agents on endpoints. Extended detection and response (XDR) is a hot category in cybersecurity right now, and at VMware Explore, the company announced advancements in its XDR offering through Carbon Black. At a high level, the product’s new extensibility applies to cloud-native application security, providing visibility and control within modern application environments leveraging containers and microservice architectures. The dynamic nature of these environments and the resulting blind spots make them ripe for infiltration by bad actors, so VMware is wise to address this area of concern, with expected general availability of its XDR offering within the next six months. Wrapping up From a networking and security standpoint, there was a lot to unpack at VMware Explore this year. The company's “North Star” vision (which is also its project code name for NSX+) provides a single platform that allows customers to manage multi-cloud infrastructure and networking and security operations through consistent policy constructs. That is a compelling value proposition, but the tradeoff comes in the form of VMware’s traditionally higher licensing costs, greater complexity and a steeper learning curve for IT operators and the greater demands on compute resources that VMs introduce. If VMware can address these challenges, it could expand its market presence, especially in smaller organizations that lack skill depth and employ lighter IT staffing models. From my perspective, that mid-market opportunity is ripe for the picking. Moor Insights & Strategy provides or has provided paid services to technology companies like all research and tech industry analyst firms. These services include research, analysis, advising, consulting, benchmarking, acquisition matchmaking, and video and speaking sponsorships. The company has had or currently has paid business relationships with 8×8, Accenture, A10 Networks, Advanced Micro Devices, Amazon, Amazon Web Services, Ambient Scientific, Ampere Computing, Anuta Networks, Applied Brain Research, Applied Micro, Apstra, Arm, Aruba Networks (now HPE), Atom Computing, AT&T, Aura, Automation Anywhere, AWS, A-10 Strategies, Bitfusion, Blaize, Box, Broadcom, C3.AI, Calix, Cadence Systems, Campfire, Cisco Systems, Clear Software, Cloudera, Clumio, Cohesity, Cognitive Systems, CompuCom, Cradlepoint, CyberArk, Dell, Dell EMC, Dell Technologies, Diablo Technologies, Dialogue Group, Digital Optics, Dreamium Labs, D-Wave, Echelon, Ericsson, Extreme Networks, Five9, Flex, Foundries.io, Foxconn, Frame (now VMware), Fujitsu, Gen Z Consortium, Glue Networks, GlobalFoundries, Revolve (now Google), Google Cloud, Graphcore, Groq, Hiregenics, Hotwire Global, HP Inc., Hewlett Packard Enterprise, Honeywell, Huawei Technologies, HYCU, IBM, Infinidat, Infoblox, Infosys, Inseego, IonQ, IonVR, Inseego, Infosys, Infiot, Intel, Interdigital, Jabil Circuit, Juniper Networks, Keysight, Konica Minolta, Lattice Semiconductor, Lenovo, Linux Foundation, Lightbits Labs, LogicMonitor, LoRa Alliance, Luminar, MapBox, Marvell Technology, Mavenir, Marseille Inc, Mayfair Equity, Meraki (Cisco), Merck KGaA, Mesophere, Micron Technology, Microsoft, MiTEL, Mojo Networks, MongoDB, Multefire Alliance, National Instruments, Neat, NetApp, Nightwatch, NOKIA, Nortek, Novumind, NVIDIA, Nutanix, Nuvia (now Qualcomm), NXP, onsemi, ONUG, OpenStack Foundation, Oracle, Palo Alto Networks, Panasas, Peraso, Pexip, Pixelworks, Plume Design, PlusAI, Poly (formerly Plantronics), Portworx, Pure Storage, Qualcomm, Quantinuum, Rackspace, Rambus, Rayvolt E-Bikes, Red Hat, Renesas, Residio, Samsung Electronics, Samsung Semi, SAP, SAS, Scale Computing, Schneider Electric, SiFive, Silver Peak (now Aruba-HPE), SkyWorks, SONY Optical Storage, Splunk, Springpath (now Cisco), Spirent, Splunk, Sprint (now T-Mobile), Stratus Technologies, Symantec, Synaptics, Syniverse, Synopsys, Tanium, Telesign,TE Connectivity, TensTorrent, Tobii Technology, Teradata,T-Mobile, Treasure Data, Twitter, Unity Technologies, UiPath, Verizon Communications, VAST Data, Ventana Micro Systems, Vidyo, VMware, Wave Computing, Wellsmith, Xilinx, Zayo, Zebra, Zededa, Zendesk, Zoho, Zoom, and Zscaler. Moor Insights & Strategy founder, CEO, and Chief Analyst Patrick Moorhead is an investor in dMY Technology Group Inc. VI, Fivestone Partners, Frore Systems, Groq, MemryX, Movandi, and Ventana Micro., MemryX, Movandi, and Ventana Micro. |
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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