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-580
Exam Name : Risk Based Inspection Professional
Vendor Name : API
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API-580 test Format | API-580 Course Contents | API-580 Course Outline | API-580 test Syllabus | API-580 test Objectives


Exam Code: API-580
Exam Name: Risk Based Inspection Professional
Duration: 3.25 hours
Question in Exam: 90
Scored Question: 80
Unscored Question: 10
Question Type: multiple-choice
Passing Scores: 56 (70%)

1. Understanding the Design Premise

- Design Basis: The set of conditions (pressure, temperature, material properties) used to design equipment.
- Operating Conditions: real conditions under which equipment operates, which may differ from design.
- Equipment Integrity: The ability of equipment to perform its intended function without failure.
- Material Selection: Choosing materials based on corrosion resistance, strength, and environmental compatibility.
- Integrity Operating Windows (IOWs): Established limits for process variables (e.g., temperature, pressure) that affect equipment integrity if exceeded.
- Fitness-for-Service (FFS): Assessment to determine if equipment is suitable for continued operation (referenced in API 579).
- Understanding how design assumptions impact risk exams and inspection planning.

2. Planning the RBI Assessment
- RBI Assessment Plan: A documented strategy outlining steps, data requirements, and resources for RBI.
- Risk Criteria: Terms of reference (e.g., safety, cost, environmental impact) used to assess the significance of risk.
- Stakeholder Involvement: Engaging relevant parties (e.g., operations, maintenance, engineering) in the RBI process.
- Qualitative RBI: Risk test using descriptive or categorical data (e.g., high/medium/low risk).
- Quantitative RBI: Risk test using numerical data to calculate probabilities and consequences (often based on API RP 581).
- Risk Matrix: A tool to plot probability of failure (POF) against consequence of failure (COF) to prioritize risks.
- Ability to outline key steps and considerations for a comprehensive RBI plan.

3. Data and Information Collection
- Process Data: Information on operating conditions, fluid composition, and process parameters.
- Inspection History: Records of past inspections, findings, and repairs.
- Equipment Data: Specifications, materials, and design details of equipment.
- Corrosion Loops: Groups of equipment or piping systems exposed to similar corrosion mechanisms.
- Data Validation: Ensuring the accuracy and completeness of collected data.
- Non-Destructive test (NDE): Techniques (e.g., ultrasonic testing, radiography) used to inspect equipment without causing damage.
- Identifying critical data sources and ensuring data quality for RBI exams.

4. Identifying Damage Mechanisms and Beginnings and Failure Modes
- Damage Mechanism: A process that causes deterioration (e.g., corrosion, cracking, erosion).
- Failure Mode: The manner in which equipment fails (e.g., leak, rupture, brittle fracture).
- Corrosion Mechanisms:
- General Corrosion: Uniform material loss over a surface.
- Localized Corrosion: Pitting or crevice corrosion in specific areas.
- High-Temperature Corrosion: Oxidation, sulfidation, carburization, or metal dusting.
- Environment-Assisted Cracking (EAC): Stress corrosion cracking (SCC), hydrogen-induced cracking (HIC), or sulfide stress cracking (SSC).
- Erosion: Material loss due to mechanical action of fluids or particles.
- Fatigue: Failure due to repeated stress cycles.
- Identifying applicable damage mechanisms based on material, process, and environmental conditions.

5. Assessing Probability of Failure (POF)
- Probability of Failure (POF): The likelihood of equipment failure within a given timeframe.
- Damage Rate: The rate at which a damage mechanism degrades equipment (e.g., corrosion rate in mils per year).
- Inspection Effectiveness: The ability of inspection techniques to detect damage (e.g., highly effective, moderately effective).
- Remaining Life: The estimated time until equipment reaches an unacceptable condition.
- Confidence Level: The degree of certainty in POF calculations based on data quality.
- Event Tree Analysis: A method to model possible failure scenarios and their probabilities.
- Calculating POF using qualitative or quantitative methods and understanding factors affecting reliability.

6. Assessing Consequence of Failure (COF)
- Consequence of Failure (COF): The severity of outcomes if failure occurs.
- Safety Consequence: Potential for injury or loss of life.
- Environmental Consequence: Impact on air, water, or soil (e.g., oil spills).
- Economic Consequence: Costs of downtime, repairs, or lost production.
- Risk Driver: The primary factor(s) contributing to the risk value (e.g., high POF or severe COF).
- Area of Impact: The physical area affected by a failure (e.g., blast radius, spill spread).
- Assessing COF in terms of multiple impact categories and prioritizing based on severity.

7. Risk Determination, Assessment, and Management
- Risk: The combination of POF and COF (Risk = POF × COF).
- Absolute Risk: An ideal, precise quantification of risk.
- Acceptable Risk: A risk level deemed tolerable by the owner-operator.
- As Low As Reasonably Practicable (ALARP): Reducing risk to a level where further reduction is not justified by cost or feasibility.
- Risk Ranking: Prioritizing equipment based on risk levels for inspection or mitigation.
- Risk Evaluation: Comparing calculated risk against risk criteria to determine significance.
- Risk Identification: Listing and characterizing risk factors (e.g., source, event, COF, POF).
- Performing risk calculations, interpreting results, and making risk-based decisions.

8. Risk Management with Inspection Activities and Process Control
- Inspection Plan: A strategy detailing the scope, methods, locations, and timing of inspections.
- Condition-Based Monitoring (CBM): Monitoring equipment condition to trigger inspections or maintenance.
- Time-Based Inspection: Inspections scheduled at fixed intervals.
- Risk-Based Inspection (RBI): Inspections prioritized based on risk levels.
- Process Control: Maintaining operating conditions within IOWs to minimize damage.
- Mitigation Inspection: Inspections aimed at reducing uncertainty in POF or COF.
- Designing inspection plans that optimize risk reduction while balancing costs.

9. Other Risk Mitigation Activities
- Material Upgrade: Replacing materials with more resistant alloys (e.g., stainless steel for corrosion resistance).
- Re-rating: Adjusting equipments design parameters (e.g., lowering maximum allowable working pressure).
- Process Modification: Changing operating conditions to reduce damage (e.g., lowering temperature).
- Equipment Replacement: Substituting high-risk equipment with new or redesigned units.
- Redundancy: Adding backup systems to reduce COF (e.g., secondary containment).
- Identifying and evaluating alternative mitigation strategies beyond inspection.

10. Reassessment and Updating RBI Assessments
- Reassessment Triggers: Events prompting RBI updates (e.g., new inspection data, process changes).
- Evergreening: Continuously updating RBI exams to maintain accuracy.
- Data Integration: Incorporating new inspection or monitoring data into the RBI model.
- Risk Recalculation: Revising POF, COF, or risk based on updated information.
- Assessment Frequency: The interval for reassessing RBI (e.g., every 3–5 years or after significant changes).
- Understanding when and how to update RBI exams to ensure ongoing relevance.

11. Roles, Responsibilities, Training, and Qualifications
- RBI Team: Multidisciplinary group including inspectors, engineers, and process specialists.
- Competency: The knowledge, skills, and experience required for RBI tasks.
- Training: Formal education or on-the-job learning to understand RBI methodologies.
- Qualifications: Certifications (e.g., API 580, API 510) or experience validating expertise.
- Roles:
- RBI Analyst: Performs risk exams and calculations.
- Inspector: Conducts field inspections and reports findings.
- Management: Approves RBI plans and allocates resources.
- Assigning appropriate responsibilities and ensuring team qualifications.

12. Documentation and Recordkeeping
- RBI Documentation: Records of risk exams, inspection plans, and mitigation strategies.
- Inspection Reports: Detailed findings from inspections, including damage observed.
- Audit Trail: A chronological record of RBI activities for regulatory or internal review.
- Data Management System: Software or databases for storing and retrieving RBI data.
- Regulatory Compliance: Adhering to standards or legal requirements for recordkeeping.

- API RP 581: A quantitative RBI methodology complementing API 580s framework.
- Pressure Equipment: Vessels, piping, or tanks subject to internal or external pressure.
- Components: Individual parts (e.g., pipes, nozzles, shells) forming equipment.
- Professional Development Units (PDUs): Credits earned to maintain API 580 certification through training or activities.
- Closed-Book Exam: The API 580 test format, where no reference materials are allowed.



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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