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 : AZ-900
Exam Name : Microsoft Azure Fundamentals
Vendor Name : Microsoft
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AZ-900 test Format | AZ-900 Course Contents | AZ-900 Course Outline | AZ-900 test Syllabus | AZ-900 test Objectives

EXAM CODE: AZ-900

EXAM NAME: Microsoft Azure Fundamentals

PASSING SCORE: 700

EXAM OBJECTIVES:

- Describe cloud concepts

- Describe Azure architecture and services

- Describe Azure management and governance

Azure Fundamentals test is an opportunity to prove knowledge of cloud concepts, Azure services, Azure workloads, security and privacy in Azure, as well as Azure pricing and support. Candidates should be familiar with the general technology concepts, including concepts of networking, storage, compute, application support, and application development.

Describe cloud computing

• Define cloud computing

• Describe the shared responsibility model

• Define cloud models, including public, private, and hybrid

• Identify appropriate use cases for each cloud model

• Describe the consumption-based model

• Compare cloud pricing models

Describe the benefits of using cloud services

• Describe the benefits of high availability and scalability in the cloud

• Describe the benefits of reliability and predictability in the cloud

• Describe the benefits of security and governance in the cloud

• Describe the benefits of manageability in the cloud

Describe cloud service types

• Describe infrastructure as a service (IaaS)

• Describe platform as a service (PaaS)

• Describe software as a service (SaaS)

• Identify appropriate use cases for each cloud service (IaaS, PaaS, SaaS)

Describe Azure architecture and services (35–40%)

Describe the core architectural components of Azure

• Describe Azure regions, region pairs, and sovereign regions

• Describe availability zones

• Describe Azure datacenters

• Describe Azure resources and resource groups

• Describe subscriptions

• Describe management groups

• Describe the hierarchy of resource groups, subscriptions, and management groups

Describe Azure compute and networking services

• Compare compute types, including container instances, virtual machines (VMs), and functions

• Describe VM options, including Azure Virtual Machines, Azure Virtual Machine Scale Sets, availability sets, and Azure Virtual Desktop

• Describe resources required for virtual machines

• Describe application hosting options, including the Web Apps feature of Azure App Service, containers, and virtual machines

• Describe virtual networking, including the purpose of Azure Virtual Networks, Azure virtual subnets, peering, Azure DNS, Azure VPN Gateway, and Azure ExpressRoute

• Define public and private endpoints

Describe Azure storage services

• Compare Azure storage services

• Describe storage tiers

• Describe redundancy options

• Describe storage account options and storage types

• Identify options for moving files, including AzCopy, Azure Storage Explorer, and Azure File Sync

• Describe migration options, including Azure Migrate and Azure Data Box

Describe Azure identity, access, and security

• Describe directory services in Azure, including Microsoft Azure Active Directory (Azure AD), part of Microsoft Entra and Azure Active Directory Domain Services (Azure AD DS)

• Describe authentication methods in Azure, including single sign-on (SSO), multifactor authentication, and passwordless

• Describe external identities and guest access in Azure

• Describe Conditional Access in Microsoft Azure Active Directory (Azure AD), part of Microsoft Entra

• Describe Azure role-based access control (RBAC)

• Describe the concept of Zero Trust

• Describe the purpose of the defense in depth model

• Describe the purpose of Microsoft Defender for Cloud

Describe Azure management and governance (30–35%)

Describe cost management in Azure

• Describe factors that can affect costs in Azure

• Compare the Pricing calculator and the Total Cost of Ownership (TCO) calculator

• Describe the Azure Cost Management and Billing tool

• Describe the purpose of tags

Describe features and tools in Azure for governance and compliance

• Describe the purpose of Azure Blueprints

• Describe the purpose of Azure Policy

• Describe the purpose of resource locks

• Describe the purpose of the Service Trust Portal

Describe features and tools for managing and deploying Azure resources

• Describe the Azure portal

• Describe Azure Cloud Shell, including Azure CLI and Azure PowerShell

• Describe the purpose of Azure Arc

• Describe Azure Resource Manager and Azure Resource Manager templates (ARM templates)

Describe monitoring tools in Azure

• Describe the purpose of Azure Advisor

• Describe Azure Service Health

• Describe Azure Monitor, including Log Analytics, Azure Monitor alerts, and Application Insights

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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

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Cyber-Kosten:

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