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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Veritas VCS-278 : Administration of Veritas NetBackup 8.1.2 ACTUAL EXAM QUESTIONS

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Exam Number : VCS-278
Exam Name : Administration of Veritas NetBackup 8.1.2
Vendor Name : Veritas
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VCS-278 test Format | VCS-278 Course Contents | VCS-278 Course Outline | VCS-278 test Syllabus | VCS-278 test Objectives

Exam Detail:
The VCS-278 Administration of Veritas NetBackup 8.1.2 test is designed to assess the skills and knowledge of professionals in administering Veritas NetBackup 8.1.2. Here are the test details for the VCS-278 exam:

- Number of Questions: The test typically consists of multiple-choice questions. The exact number of questions may vary, but it is generally around 70-80 questions.

- Time Limit: The time allocated to complete the test is 105 minutes.

Course Outline:
The VCS-278 certification program covers a comprehensive range of syllabus related to administering Veritas NetBackup 8.1.2. The course outline generally includes the following areas:

1. NetBackup Architecture and Concepts:
- Understanding the architecture and components of Veritas NetBackup.
- Exploring NetBackup terminology and concepts.

2. Installing and Upgrading NetBackup:
- Preparing for installation and upgrade.
- Installing and configuring NetBackup components.
- Upgrading NetBackup to version 8.1.2.

3. Configuring Storage and Devices:
- Configuring disk storage units and storage lifecycle policies.
- Managing media servers and media.
- Configuring tape libraries and drives.

4. Configuring NetBackup Policies:
- Creating and configuring backup policies.
- Configuring schedules, retention periods, and backup options.
- Implementing synthetic backups and optimized duplication.

5. Managing Backups and Restores:
- Monitoring and managing backup and restore jobs.
- Performing backups and restores for various data types.
- Configuring and managing disaster recovery operations.

6. Troubleshooting and Performance Tuning:
- Identifying and resolving common NetBackup issues.
- Monitoring and optimizing NetBackup performance.
- Troubleshooting backup failures and restore issues.

Exam Objectives:
The objectives of the VCS-278 test are as follows:

- Assessing candidates' understanding of Veritas NetBackup architecture and concepts.
- Evaluating candidates' ability to install, upgrade, and configure NetBackup components.
- Testing candidates' proficiency in configuring storage and devices for backups.
- Assessing candidates' knowledge of managing backup policies and performing backups and restores.
- Evaluating candidates' troubleshooting skills and ability to optimize NetBackup performance.

Exam Syllabus:
The specific test syllabus for the VCS-278 test covers the following topics:

1. NetBackup Architecture and Concepts:
- NetBackup components and terminology.
- NetBackup architecture and functionality.

2. Installing and Upgrading NetBackup:
- Pre-installation tasks and requirements.
- Installation and configuration of NetBackup components.
- Upgrading NetBackup to version 8.1.2.

3. Configuring Storage and Devices:
- Disk storage units and storage lifecycle policies.
- Media servers and media configuration.
- Tape library and drive configuration.

4. Configuring NetBackup Policies:
- Backup policy creation and configuration.
- Schedules, retention periods, and backup options.
- Synthetic backups and optimized duplication.

5. Managing Backups and Restores:
- Monitoring and managing backup and restore jobs.
- Backup and restore operations for different data types.
- Disaster recovery operations and procedures.

6. Troubleshooting and Performance Tuning:
- Troubleshooting common NetBackup issues.
- Performance monitoring and optimization.
- Troubleshooting backup failures and restore issues.

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Ortho Doctor Outlines When Chiefs Playmaker Kadarius Toney Can Return

Kansas City Chiefs wide receiver Kadarius Toney practices during OTAs on May 24, 2023. (Photo by ... [+] Scott Winters/Icon Sportswire via Getty Images)

Icon Sportswire via Getty Images

After Kadarius Toney underwent arthroscopic knee surgery Tuesday, Kansas City Chiefs head coach Andy Reid said there’s a chance that the wide receiver could return for Week One on Sept. 7.

But when Toney returns to action will be dictated by which kind of procedure he underwent to treat the torn meniscus, which is a C-shaped ring of cartilage attached to the shin bone, and it acts as a shock absorber.

If the surgery just cut out the torn part of the meniscus, he can be back in four to 10 weeks, which makes a Week One return very much in play.

“The trimming out or snipping out of the torn piece is much easier, much quicker,” Dr. James Gladstone, chief of the sports medicine division at the Mount Sinai Health System in New York, exclusively shared. “You remove anything that’s torn, you smooth it down and you’re left with healthy meniscus.”

Although that procedure represents a quicker return, it’s not the preferable one. That’s because if you have more than 50% of the meniscus removed, it represents a much greater chance of long-term arthritis.

Surgical option No. 2 allows the patient to salvage the meniscus by stitching together the torn piece.

But with that kind of operation, you have to protect the surgically-repaired meniscus, meaning Toney would likely be out of athletic competition for 12 weeks.

“If it was a repair,” Gladstone said, “my guess would be he’d be back toward the beginning of November.”

Toney suffered the knee injury during a punt-return drill on Sunday.

“He might have had a little something in (his knee) anyways,” Reid said. “And it just caught a little bit more.”

Gladstone, who has not treated Toney as a patient, compared the initial sensation as the knee’s version of a hangnail or pebble in one’s shoe.

“It sort of catches between the bones,” he said, “and causes pain.”

A potential complication is that the Chiefs have not revealed which knee Toney injured.

The wide receiver had arthroscopic knee surgery during the offseason of 2022 while with the New York Giants. So it could be another procedure on the same knee and potentially something more chronic.

“If he had a surgery last year and had hard cartilage damage and now it’s the same knee,” Gladstone said, “that’s probably more concerning.”

Kansas City Chiefs wide receiver Kadarius Toney eludes defenders during his game-changing punt ... [+] return in Super Bowl LVII between the Philadelphia Eagles and the Kansas City Chiefs on Feb. 12, 2023. (Photo by Nick Tre. Smith/Icon Sportswire via Getty Images)

Icon Sportswire via Getty Images

Even though Toney has been injury-plagued, missing three of his 10 regular-season games in his short career with the Chiefs, he represents great value for Kansas City.

The Chiefs acquired him on Oct. 27 for 2023 third- and sixth-round picks, and he’s in the third year of his four-year, $13.7 million rookie contract.

That compensation is well worth it, considering his impact in the Chiefs’ 38-35 victory in Super Bowl LVII against the Philadelphia Eagles.

He scored a five-yard touchdown on the first possession of the fourth quarter to supply the Chiefs their first lead, 28-27, of the game.

After the Eagles went three and out on their next possession, Toney returned the punt 65 yards to the Eagles’ five-yard-line. That was the longest punt return in Super Bowl history and set up the Chiefs’ final touchdown of the game.

“Everybody knows how talented he is,” Chiefs quarterback Patrick Mahomes said.

Because last year’s mid-season’s acquisition was poised to have a full offseason to learn a playbook that often takes wide receivers one to two years to master, the Chiefs were expecting big things of Toney, who they viewed as a No. 1 wide receiver and potential deep threat.

The Chiefs emphasize that Toney, who excels at being elusive after the catch, still can use training camp to become more comfortable in Reid’s offense. But he also will have to focus on rehab.

For the trimming option, Toney post-operatively would want to minimize swelling and optimize quadriceps muscle function.

For the repair option, the rehab would be similar, but Toney would not let the knee bend more than 90 degrees for four weeks and try not to bear weight initially.

The Chiefs remain optimistic and noted it’s preferrable to suffer this kind of injury early in training camp rather than during the middle of the season.

“Getting it done now is a good thing as opposed to it lingering and then getting worse and worse,” Reid said. “It happened this early where he can get himself back, and they have a lot of time still left. He’s a smart kid, he picks this stuff up fairly easy. I don’t think he’s going to have a tough time getting back.”

GOP committee memo outlines ‘aggressive’ absentee, early voting effort in Virginia

EXCLUSIVE: The Republican State Leadership Committee (RSLC) issued a memo Thursday explaining its "aggressive" strategy on a newly launched absentee ballot and early voting effort as Virginians prepare to vote in the November general election.

The RSLC announced last week that it’s partnering with Virginia Gov. Glenn Youngkin’s Spirit of Virginia PAC, the Republican Party of Virginia (RPV), the Virginia Senate Republican Caucus (VSRC), and the House Republican Campaign Committee (HRCC) to launch an effort called, "Secure Your Vote Virginia."

RSLC President Dee Duncan issued a memo Thursday laying out a plan to reach "low-propensity voters" in an effort to keep control of the state House and chip away at the Democrats’ four-seat majority in the state Senate.

Gov. Glenn Youngkin speaks at the grand opening of Amazon HQ2 in Arlington, Virginia, on June 15, 2023. (Amanda Andrade-Rhoades/For The Washington Post via Getty Images)


"Heading into the general election in 2023 this fall, it is their job to defend their razor-thin majority in the House of Delegates while capitalizing on the opportunities available to us in the Virginia Senate where Democrats currently hold a four-seat advantage," Duncan wrote. "We need to set the bar higher and start comparing ourselves against the constellation of national liberal outside groups that drastically outspent us last cycle."

Duncan said the outreach will focus on three issues they believe resonate the most with Virginia voters: education, the economy and crime.

"Simply put, the past two election cycles taught Republicans that they need to do better when it comes to absentee and early voting," he wrote. "By implementing an absentee and early voting program that will target low propensity voters, they feel confident that a significant increase in turnout of these types of voters will help us win elections at the margins. Democrats were very effective in targeting low propensity voters around the country in 2022, and they must start combating this strategic advantage in Virginia."

Virginia Gov. Glenn Youngkin waves as he tours Amazon HQ2 during their grand opening ceremony on June 15, 2023, in Arlington. (Drew Angerer/Getty Images)

"Republicans have another strong group of diverse candidates heading into the general election, with effective messaging and a data-driven strategy to boost Republican turnout while the Democrats are coming off of a divisive primary that created an even more radicalized group of Virginia Democrats," he continued. 

"This is good news for Republicans, but do not be fooled," Duncan added. "Democrats will be energized, and they will be backed with larger sums of money from national liberal outside groups who want to take back trifecta power in Virginia and disband the great work Gov. Youngkin and his Republican allies in Richmond have been able to accomplish."

Voters selected dozens of nominees during the state primary last month in Virginia, which is one of just a few states that have its legislative races in odd-numbered years. The unusual calendar and quasi-swing state status make Virginia a must-watch in gauging voter sentiment ahead of the 2024 elections.

A voting booth (Fox News)

Youngkin, who has not 100% ruled out a White House run next year, first announced the effort in a live appearance on Fox News’ "America’s Newsroom."

Youngkin energized Republicans nationwide in 2021 as the first-time candidate who hailed from the party’s business wing edged out former Democratic Gov. Terry McAuliffe to become the first GOP candidate in a dozen years to win a gubernatorial election in Virginia. Republicans also won the elections for lieutenant governor and state attorney general.


Fox News’ Paul Steinhauser and The Associated Press contributed to this report.

Jessica Chasmar is a digital writer on the politics team for Fox News and Fox Business. Story tips can be sent to Jessica.Chasmar@fox.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