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 : VNX100
Exam Name : Versa Certified SD-WAN Associate
Vendor Name : Versa-Networks
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VNX100 test Format | VNX100 Course Contents | VNX100 Course Outline | VNX100 test Syllabus | VNX100 test Objectives
Exam Code: VNX100
Exam Name: Versa Certified SD-WAN Associate
Questions Asked: 60
Time Allotted: 90 minutes
- Roles, functions, and behaviors of headend components: Versa Director (centralized management and orchestration), Versa Controller (policy enforcement and control plane), and Versa Analytics (analytics and reporting engine).
- Versa Operating System (VOS): Its architecture, deployment on Versa Controller and Customer Premises Equipment (CPE) devices, and role in enabling secure SD-WAN functionality.
- Deployment models: On-premises, cloud-hosted (e.g., AWS, Azure), and hybrid setups; data center vs. disaster recovery site configurations.
- Provisioning methods: Zero-Touch Provisioning (ZTP) for automated device onboarding, manual configuration, and template-based deployment.
- Headend: Centralized cloud or on-premises infrastructure for control and management.
- Versa CPE: Edge devices (routers or virtual appliances) that connect branch offices to the SD-WAN fabric.
- Control Plane: Handles routing protocols (e.g., BGP, OSPF) and policy distribution via Versa Controller.
- Data Plane: Forwarding traffic based on policies enforced by VOS on CPE devices.
- Orchestration: Automated workflow management via Versa Director for scaling SD-WAN deployments.
- High Availability (HA): Redundancy mechanisms like active-active or active-passive clustering for headend components.
- SD-WAN topologies: Hub-and-spoke, full mesh, partial mesh, and their use cases (e.g., hub-and-spoke for centralized data centers).
- Integration with WAN technologies: MPLS, Internet, LTE/5G, and direct cloud connects.
- Deployment scenarios: Branch-to-branch, branch-to-cloud, and multi-tenant environments.
- Scalability and performance optimization: Handling traffic growth, failover mechanisms, and path selection.
- Overlay Network: Virtual network built on top of underlay transports (e.g., IPsec tunnels for secure overlays).
- Underlay: Physical or provider-managed connectivity (e.g., broadband Internet or leased lines).
- Path Selection: Algorithms for choosing optimal paths based on latency, jitter, or loss (e.g., dynamic path steering).
- Service Definition Language (SDL): Versa-specific scripting for defining services and policies.
- Multi-Tenancy: Isolation of customer environments in shared infrastructure using tenant IDs and segmentation.
- Traffic steering concepts: Policy-based forwarding, application-aware routing, and link bonding.
- Application Identification: Deep Packet Inspection (DPI) for classifying apps (e.g., SaaS like Office 365).
- Security services: Integration of firewall, IPSec VPN, URL filtering, and next-generation firewall (NGFW) features.
- Quality of Service (QoS): Prioritization, shaping, policing, and classification for voice/video traffic.
- Secure Access: Remote access VPN, zero-trust network access (ZTNA), and endpoint security integration.
- Application Identification (AppID): Versa's DPI engine for recognizing over 5,000 applications.
- Traffic Steering: Forwarding rules that direct traffic over specific paths (e.g., forward error correction for lossy links).
- Forward Error Correction (FEC): Technique to recover lost packets without retransmission.
- Service Chaining: Orchestrating security functions (e.g., firewall → IDS/IPS) in a virtualized chain.
- Business Intent: Policy language for defining user-friendly rules (e.g., "prioritize video for branch X").
- Device configuration: Templates for CPE setup, interface provisioning, and software image management.
- Policy management: Creating access policies, service policies, and device templates via Versa Director.
- Workflow automation: Using APIs, CLI, and GUI for bulk operations.
- Firmware upgrades and maintenance: Patch management and rollback procedures.
- Device Templates: Reusable configurations for consistent deployment across sites.
- Access Policies: Rules controlling traffic flow (e.g., source/destination zones, NAT).
- Service Policies: Define QoS, security, and steering actions.
- CLI (Command-Line Interface): Versa-specific commands for troubleshooting (e.g., show sdwan path).
- Monitoring capabilities: Real-time dashboards, alerts, and historical data in Versa Director and Analytics.
- Reporting: Custom reports on bandwidth usage, application performance, and security events.
- Troubleshooting techniques: Log analysis, packet captures, and performance diagnostics (e.g., identifying path failures).
- Identifying issues: Using tools to detect downtime, policy misconfigurations, or security breaches.
- Versa Analytics: Node for advanced telemetry, AI-driven insights, and anomaly detection.
- Live Monitoring: Real-time visibility into CPE status, link health, and session flows.
- Packet Capture (PCAP): Tool for inspecting traffic at the edge (e.g., via tcpdump equivalents in VOS).
- Alarms and Events: Threshold-based notifications (e.g., high latency alerts).
- Root Cause Analysis (RCA): Systematic debugging using correlated logs from Director and CPE.
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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
