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 : API-570
Exam Name : Certified API 570 Piping inspectors
Vendor Name : API
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Calculations for Evaluating Thickness Measurements, Inspection Intervals, and Piping Integrity
- Corrosion Rates and Remaining Life
- Calculate average corrosion rate using initial and subsequent thickness readings (API 570, 7.1.2).
- Calculate short-term and long-term corrosion rates when multiple measurements exist.
- Determine remaining life based on current thickness, minimum required thickness, and corrosion rate (API 570, 7.2).
- Apply rules for corroded areas and local thin areas.

- Inspection Intervals
- Determine external visual inspection intervals and thickness measurement intervals for Class 1, 2, and 3 piping (API 570, 6.3.3 & Table 1).
- Understand factors influencing interval adjustments (e.g., corrosion rate trends, RBI if applicable).
- Set next inspection date based on remaining life and safety factors.

- Weld Joint Quality Factors (Ej) and Casting Quality Factors (Ec)
- Select weld joint quality factor Ej from ASME B31.3 Table A-1B for different weld types and joint efficiencies.
- Select casting quality factor Ec from ASME B31.3 Table A-1A.
- Increase joint quality factors (up to 1.0) by performing supplemental NDE as per ASME B31.3 Table 302.3.4 (e.g., 100% RT for seamless to welded transitions).

- Internal Pressure / Minimum Thickness Calculations
- Calculate pressure design thickness (minimum required thickness) for straight pipe under internal pressure (ASME B31.3, 304.1.1 and 304.1.2 formulas).
- Determine minimum thickness for permanent blanks (blanks, spectacle blinds) (ASME B31.3, 304.5.3).
- Calculate MAWP of corroded piping, including future corrosion allowance (API 570, 7.5).
- Adjust calculations for corrosion allowance addition/subtraction and mill tolerance.

- Pressure Testing Requirements
- Calculate hydrostatic leak test pressure (ASME B31.3, 345.4).
- Calculate pneumatic leak test pressure (ASME B31.3, 345.5).
- Understand test medium considerations, safety precautions, and acceptance criteria.

Welding and Brazing
- General Welding Requirements
- Understand ASME B31.3 Chapter V rules for welded joints, sizes, restrictions, reinforcement, preheating, PWHT, and inspection.
- Apply API 570 welding rules (which take precedence over B31.3 in conflicts for in-service work).

- Welding Processes, Inspection, and Metallurgy
- Identify common welding processes, advantages/disadvantages, and typical defects (API RP 577 – full coverage).
- Understand weld imperfection acceptance criteria and repair welding.

- Qualification Requirements
- Differentiate essential, nonessential, and supplementary essential variables for WPS/PQR (ASME Section IX).
- Review and qualify Welding Procedure Specifications (WPS), Procedure Qualification Records (PQR), and Welder Performance Qualifications (WPQ/Welder Qualification).
- Understand welder continuity, retesting, and performance essential variables.

Nondestructive test (NDE)
- NDE Methods and Procedures
- Understand requirements and techniques for RT, UT, MT, PT, VT, and other methods (ASME BPVC Section V – Articles 1–10, mandatory appendices).
- Know personnel qualification and certification (ASNT SNT-TC-1A or equivalent referenced).
- Interpret NDE results, acceptance criteria, and documentation.

- Application to Piping
- Select appropriate NDE for weld joints, thickness measurements, and defect detection in in-service piping.

Inspection, Exam, and Pressure Testing Practices
- API 570 Core Rules
- Inspection types (external visual, thickness measurement, injection points, deadlegs, auxiliary piping).
- Frequency and extent of inspections (Class 1/2/3 piping).
- Data evaluation, recordkeeping, and CML (Condition Monitoring Location)/TML management.
- Repair, alteration, and rerating procedures (including authorization, documentation, and pressure testing after repairs).

- Piping System Components
- Inspection practices for pipe, valves, fittings, flanges, supports, and special components (API RP 574 – full coverage).
- Identify common degradation modes and inspection techniques for each component.

- Pressure-Relieving Devices
- Inspection, testing, and repair of PRDs (pressure relief valves, rupture disks) (API RP 576 – full coverage).

Material Verification Program
- PMI and Material Control
- Apply PMI techniques, extent, and acceptance criteria for new and existing assets (API RP 578 – full coverage).
- Understand alloy verification, positive material identification methods, and documentation.

Damage Mechanisms (from API RP 571 – specific mechanisms only)
- Common Mechanisms in Piping
- General/localized corrosion (atmospheric, galvanic, soil, microbiologically influenced – MIC).
- Corrosion under insulation (CUI), pitting, crevice corrosion.
- Erosion/erosion-corrosion.
- High-temperature mechanisms: sulfidation, high-temperature hydrogen attack (HTHA), carburization.
- Cracking mechanisms: chloride SCC, caustic cracking/embrittlement, amine cracking, sulfide stress cracking (SSC).
- Other: dew-point corrosion, boiler water/condensate corrosion, oxygen pitting, vibration-induced fatigue, mechanical fatigue.

- Critical Factors and Appearance
- Identify susceptible materials, environments, temperature/pressure ranges, and mitigation strategies for each mechanism.

Additional Supporting Topics
- Flanges and Bolting
- Flange ratings, dimensions, facing, and assembly practices (ASME B16.5).

- Repair Methods
- Post-construction repair techniques (ASME PCC-2 – relevant articles for piping repairs, e.g., welded sleeves, composite wraps).

- General Concepts
- Key terms: MAWP, CML/TML, injection point circuit, deadleg, rerating, alteration vs. repair, fitness-for-service basics.
- Buried piping inspection considerations.
- Overall application of codes to real-world in-service scenarios.



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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