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 : PL-900
Exam Name : Microsoft Power Platform Fundamentals
Vendor Name : Microsoft
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Exam Number : PL-900
Exam Name : Microsoft Power Platform Fundamentals

Candidates for this test aspire to Excellerate productivity by understanding the capabilities of the Power Platform, automating basic business processes with Power Automate, performing basic data analysis with Power BI, acting more effectively by creating simple Power Apps experiences, and creating powerful chatbots by using Power Virtual Agents.

The content of this test was updated on March 10, 2021. Please obtain the test skills outline below to see what changed.
- Describe the business value of Power Platform (15-20%)
- Identify the core components of Power Platform (15-20%)
- Demonstrate the capabilities of Power BI (15-20%)
- Describe the capabilities of Power Apps (15-20%)
- Demonstrate the capabilities of Power Automate (15-20%)
- Demonstrate the business value of Power Virtual Agents (10-15%)

Describe the business value of Power Platform (15-20%)
Describe the business value of Power Platform services
 analyze data by using Power BI
 act with Power Apps
 build solutions that use Microsoft Dataverse
 create flows by using Power Automate
 use connectors to access services and data
 create powerful chatbots by using a guided, no-code graphical interface
Describe the business value of extending business solutions by using Power Platform
 describe how Dynamics 365 apps can accelerate delivery of Power Platform business solutions
 describe how Power Platform business solutions can be used by Microsoft 365 apps including Microsoft Teams
 describe how Power Platform business solutions can consume Microsoft 365 services
 describe how Power Platform business solutions can consume Microsoft Azure services including Azure Cognitive Services
 describe how Power Platform business solutions can consume third-party apps and services
Describe Power Platform administration and security
 describe how Power Platform implements security including awareness of Microsoft Dataverse security roles, Azure Identity Services, and Access Management (IAM)
 describe how to manage apps and users
 describe environments
 describe where to perform specific administrative tasks including Power Platform Admin center, Microsoft 365 admin center
 describe Data Loss Prevention (DLP) policies
 describe how the platform supports privacy and accessibility guidelines

Identify the Core Components of Power Platform (15-20%)
Describe Microsoft Dataverse
 describe the Power Apps user experience
 describe tables, columns, and relationships
 describe use cases for solutions
 describe use cases and limitations of business rules
 describe the Common Data Model (CDM)
 describe how to use common standard tables to describe people, places, and things Describe Connectors
 describe the native Dataverse connection experience
 describe triggers including trigger types and where triggers are used
 describe actions
 describe licensing options for connectors including standard or premium tier Identify use cases for custom connectors
Describe AI Builder
 identify the business value of AI Builder
 describe models including business card reader, detection model, form processing model, and prediction model
 describe how the Power Apps and Power Automate can consume AI Builder data

Demonstrate the capabilities of Power BI (15-20%)
Identify common Power BI components
 identify and describe uses for visualization controls including pie, bar, donut, and scatter plots and KPIs
 describe types of filters
 describe the Power BI Desktop Reports, Data, and Model tabs
 describe uses for custom visuals including charts or controls Compare and contrast dashboards and workspaces
 compare and contrast Power BI Desktop and Power BI Service
 compare and contrast dashboards, workspaces, and reports Connect to and consume data
 combine multiple data sources
 clean and transform data
 describe and implement aggregate functions
 identify available types of data sources including Microsoft Excel
 describe use cases for shared datasets and template apps and how to consume each Build a basic dashboard using Power BI
 design a Power BI dashboard
 design data layout and mapping
 publish and share reports and dashboards

Demonstrate the capabilities of Power Apps (15-20%)
Identify common Power Apps components
 describe differences between canvas apps and model-driven apps
 describe portal apps
 identify and describe types of reusable components including canvas component libraries and Power Apps Component Framework (PCF) components
 describe use cases for formulas
Build a basic canvas app
 describe types of data sources
 connect to data by using connectors
 combine multiple data sources
 use controls to design the user experience
 describe the customer journey
 publish and share an app
Describe Power Apps portals
 create a portal by using a template
 describe common portal customizations
 identify differences in portal behavior based on whether a user is authenticated
 apply a theme to a portal
Build a basic model-driven app
 add tables to app navigation
 modify forms and views
 publish and share an app

Demonstrate the capabilities of Power Automate (15-20%)
Identify common Power Automate components
 identify flow types
 describe use cases for flows and available flow templates
 describe how Power Automate uses connectors
 describe loops and conditions including switch, do until, and apply to each
 describe expressions
 describe approvals
Build a basic flow
 create a flow by using the button, automated, or scheduled flow template
 modify a flow
 use flow controls to perform data operations
 run a flow
 modify a flow

Demonstrate the capabilities of Power Virtual Agents (10-15%)
Describe Power Virtual Agents capabilities
 describe use cases for Power Virtual Agents
 describe where you can publish chatbots
 describe topics, entities and actions
 describe message nodes, question nodes, conditions, trigger phrases, and the authoring canvas
 identify common pre-built entities
Build and publish a basic chatbot
 create a chatbot
 create a topic
 call an action
 test a chatbot
 publish a chatbot
 monitor chatbot usage
 monitor chatbot performance

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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