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 : SCA_SLES15
Exam Name : SCA in SUSE Linux Enterprise Server 15
Vendor Name : SUSE
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SUSE Server learn


Novell's Linux Business Gains Steam

a quarterly loss, Linux

During its fourth quarter and fiscal year 2005 earnings call Thursday, the Waltham, Mass software company reported $61 million in revenues generated from its Linux product and service business, up 30 percent from $47 million during the same quarter a year ago, and more than 400 percent from $12 million reported two years ago.

That figure includes $46 million in Open Enterprise Server license sales and $15 million from all other Linux platform and services sales including SUSE server, OES sales, Linux desktop, Zenworks, SUSE Professional Services and technical support. Total platform revenue for the quarter, including OES and NetWare, totalled $87 million, up three percent from last year.

The number of SUSE Linux Enterprise Server subscriptions sold tripled to 65,000 during the quarter, up from 21,000 during the same quarter last year and 28,000 sold during the prior fiscal quarter of the year.

For the quarter overall, Novell suffered a $5 million loss but reported a seven percent increase in revenues to $320 million.

For the full fiscal year, Novell reported $148 million in Linux platform revenue, up almost 300 percent for the 2004 fiscal year, executives said.

During the call, Novell CEO Jack Messman and newly appointed president Ron Hovsepian detailed encouraging signs for its Linux and resource management businesses.

These include a $40 million customer win with the National Health Service of the United Kingdom -- Novell's largest deal ever -- and scores of other deals with Novell Linux customers Marriott, AMD, Fannie Mae, Deutsche Bank, and the Czech Postal Service. The NHS win spans all product categories, including Open Enterprise Server and Zenworks' resources management.

Novell's president said the company is seeing a 75 percent win rate in competitive bids against Red Hat and others in corporate environments running mission critical applications.

Solution providers are seeing some tangible results in the field.

"Red Hat might be feeling pressure from Novell because many of my financial clients are still pretty big Novell shops," said John Dodge, solutions architect for Foedus, a VMware and Microsoft partner that specializes in virtualization software. "Novell is very much loved in the financial sector and SUSE Linux is being looked at by all of them."

To boost new growth areas in 2006, Novell unveiled a new global field sales model for 2006 that emphasizes specialization in five distinct buckets " including Linux.

The company unveiled the new model to 1300 employees and 200 partners at its field operations kickoff two weeks ago. Novell's 2005 fiscal year ended on Oct. 31.

Executives said 55 percent of its direct sales team will be assigned to these dedicated teams, which will push Novell's Linux business, security and identity business, resource management, workgroup and desktop.

The company also enhanced its compensation and incentives to align with these specializations and encourage growth in new software categories.

"We are investing in new specializations in the field to align sales with indirect and direct channels," Hovespian told analysts during the call.

Hovsepian, who was named Novell's president during the quarter, was bullish for Novell's Linux prospects in 2006, which will be buoyed by the release of the next generation Suse Linux Enterprise Linux 10 platform including server and desktop operating systems, management tools and updated subscriber services.

The company also reported that declines in its overall platform business are slowing. Its Netware and Open Enterprise Server business, for instance, grew three percent last quarter. For the year, Novell's platform business declined nine percent for the fiscal year, an improvement over the double-digit losses in platform revenues in exact years.

Still, Novell has a long way to go. For the fiscal year, the company reported revenues of $1.2 billion " including a $448 million settlement with Microsoft " compared to revenues of $1.16 billion for the 2004 fiscal year.

Beeper Mini is down, and we're learning what that will mean for its future

Photo of an Android phone with Beeper Mini app

Mishaal Rahman / Android Authority


  • Days after its launch, Beeper Mini has gone down.
  • Beeper representatives say the error is on its servers’ end, so all they can do is wait.
  • This outage forebodes a rocky future for the paid chat app.
  • Today, Beeper Mini is experiencing a significant outage. A thread on Reddit suggests the outage affects pretty much everyone who uses the app. Thankfully, a representative from Beeper says in that thread that the problem is on the server side, and the team is working to rectify it as soon as possible. There’s no explanation for the outage yet, but a exact episode of the WVFRM podcast discussing Beeper Mini at length may be part of the problem, as Beeper is likely experiencing a massive influx of new users.

    Interestingly, the Beeper status page shows all systems are normal, with even a 100% uptime notice for the past 90 days.

    While chat apps go down all the time, Beeper Mini is under more scrutiny than most. Although all users are still in a free trial period, the app will eventually cost them $1.99 each month to use. An app you use for free going down is one thing, but an app you pay to use going down is a whole other situation.

    Likewise, Beeper Mini is built on a reverse-engineered version of iMessage, which is what allows it to support Android users communicating “natively” with iPhone users. Although Beeper is confident it is not breaking any laws with this and is also quite sure Apple won’t do anything about it, that doesn’t change the fact that it is not in the same category as other chat apps.

    It’s possible this outage will pass, but what does this situation mean for the app’s future? According to the Reddit thread, users are simply unable to communicate with anyone through the app. Where are the messages going that are being sent to them? Will they all come through at once when the server comes back online, or are they lost in the ether? What about the failed messages being sent by Beeper Mini users? Will those go through when the connection stabilizes again, or are they going to need to resend? What if Apple did decide to shut Beeper Mini down somehow? How would users know it was that and not a “normal” outage like today’s might be?

    We think we’re going to find out a lot about Beeper Mini’s longevity today.


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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