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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Salesforce acquires automated commission management platform Spiff

Salesforce has announced plans to acquire Spiff, a platform that automates commission management for sales teams. Terms of the deal were not disclosed.

Founded in 2017, Spiff serves up a low-code interface designed to make it easy for businesses to create a sales compensation plan that automatically updates based on personnel meeting their pre-agreed targets. With native integrations for the common enterprise CRM and ERP systems, Spiff says it can handle the most intricate commission structures, including whatever conditions may be in place to trigger payments, while sales representatives can see what commission they’re due in real time.

The Salt Lake City-based startup had raised north of $110 million in its six-year history, including cash injections from Salesforce’s very own venture capital firm Salesforce Ventures, which invested in Spiff’s Series B round in 2021 and led its $50 million Series C round earlier this year.


Image Credits: Spiff

Once the acquisition closes, which is expected in the first few months of 2024, Salesforce says that Spiff will be put to work within its Sales Performance Management software, a CRM-connected product that connects customer and sales team data.

It’s worth noting that the two companies have a history that goes beyond the previous equity investment, with Spiff making itself available on the Salesforce AppExchange for several years already.

The deal also constitutes the latest in a line of ecosystem companies that Salesforce has eventually brought in-house. Back in September Salesforce acquired Airkit, a low-code platform for building AI customer service agents. Not only did Airkit’s founders have a previous exit to Salesforce, having sold a big data startup called RelateIQ for $390 million in 2014, but Salesforce Ventures had invested in Airkit over several rounds since its founding in 2017. And similar to Spiff, Airkit was also available on AppExchange.

So it’s clear that Salesforce continues to see tried-and-tested ecosystem companies as a safe bet for its M&A endeavors, with “low-code” playing a key factor too.

ADP Reimagines the Human Capital Management Client Experience with Salesforce Generative AI

ADP and Salesforce will pioneer the future of human capital management for ADP’s more than 1 million clients with AI, data, and CRM

SAN FRANCISCO & ROSELAND, N.J., December 12, 2023--(BUSINESS WIRE)--Today, Salesforce (NYSE: CRM), the #1 AI CRM, and ADP (Nasdaq: ADP), a leading global technology company providing human capital management (HCM) solutions, announced the expansion of their work together to reimagine ADP’s client experience for ADP’s more than 1 million clients.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20231212846012/en/

Together, ADP and Salesforce will unite ADP’s data and insights, decades of HCM expertise, and an unmatched approach to service with Salesforce’s Customer 360 platform to drive greater collaboration and empower ADP’s service teams with the information they need to provide real-time, quick responses to their clients. For example, service teams will use generative AI to query thousands of ADP FAQ and knowledge articles and produce instant answers to client questions.

"Clients today demand experiences that quickly and effectively address their business challenges," said Maria Black, president and chief executive officer of ADP. "For more than 20 years, we've worked with Salesforce to ensure ADP is at the forefront of client experience delivery. This expanded partnership furthers their ability to quickly translate client data from across the enterprise into action-oriented knowledge that will empower their clients to achieve their business objectives."

"We are entering into a new AI-powered world, where every customer experience can be more intelligent, personalized, and automated," said Marc Benioff, Chair and CEO of Salesforce. "Using their trusted generative AI, Data Cloud, and collaboration tools, ADP is leading the way in reimagining the client experience for this new world and making every employee more productive and efficient."

Story continues

ADP was among the first companies to work with Salesforce to digitally enable its global sales team, co-creating an entire suite of mobile-optimized apps that simplified selling activities. Now, ADP and Salesforce are beginning a shared journey to reimagine the human capital management client experience. The combination of ADP’s data-driven insights and Salesforce’s trusted technology will surface specific, relevant, and actionable insights directly into employees’ workflows for faster and more personalized service. This tailored approach will provide ADP service teams with information specific to each client, enabling them to quickly address workforce trends, resolve unique challenges, and deepen overall client engagement.

About Salesforce

Salesforce empowers companies of every size and industry to connect with their customers through the power of data + AI + CRM + trust. For more information about Salesforce (NYSE: CRM), visit: www.salesforce.com.

About ADP

Designing better ways to work through cutting-edge products, premium services and exceptional experiences that enable people to reach their full potential. HR, Talent, Time Management, Benefits and Payroll. Informed by data and designed for people. Learn more at ADP.com.

ADP, the ADP logo, and Always Designing for People, are trademarks of ADP, Inc. All other marks are the property of their respective owners.

Copyright © 2023 ADP, Inc. All rights reserved.

View source version on businesswire.com: https://www.businesswire.com/news/home/20231212846012/en/


Jason LedderADP, Inc.(201) 650-8160Jason.Ledder@ADP.com

Caylah NovakSalesforce(831) 431-3454PR@salesforce.com


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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