Blog
October 2026 · 6 min read
Operational resilience

How do you plan for every threat?

Cyber attacks, floods, pandemics, vendor failures. The threat list never ends. The list of what you lose is short: a site, a system, a supplier, people or data.

The short answer

Plan for the losses a threat causes. Nearly every threat lands as one of five losses: a site, a system, a supplier, people or data. Prepare workarounds and recovery for each loss on your critical services, and you cover most threats, including the ones nobody has named yet.

The threat list never ends

Open any risk register and count the threats: ransomware, data center fire, flood, pandemic, cloud outage, supplier insolvency, strike, sabotage, solar storm. Each one gets its own scenario, its own plan and its own review. The list grows every year, and the team preparing for it stays the same size.

You can't plan for every threat. You can plan for what they do to you.

Nearly every threat lands as one of five losses

Whatever the cause, a disruption takes something away. In practice it is almost always one of five things:

Loss Typical causes What you plan
Site Fire, flood, power outage, access ban Alternate site, remote work, relocation of critical activities
System Ransomware, cloud region outage, failed change Recovery sequence, workarounds, tested backups
Supplier Provider outage, insolvency, sanctions Alternate supplier, exit plan, contract and escalation terms
People Pandemic, strike, loss of key people Deputies, cross-training, minimum staffing
Data Corruption, deletion, encryption, breach Backups, recovery point objectives, integrity checks

Plan against these five and the work becomes finite. A threat nobody has named yet still lands in one of the rows.

Real threats combine losses

Most serious incidents hit more than one row. Ransomware is a system and a data loss, and often a people loss too, when staff can't work. A cloud region outage is a system and a supplier loss. A regional flood takes a site, people and often a supplier at once. A grid operator that cuts its control center off from IT as a precaution has chosen a system loss to prevent a bigger one.

Plan each loss once, for your critical services. Then combine them into scenarios. The plans for each row get reused instead of rewritten per threat.

Build severe but plausible scenarios

Regulators in financial services expect firms to test against severe but plausible scenarios. The five losses give you a structured way to build them: take the losses that hurt your critical services most, combine them, and stretch the duration.

For example: the primary data center is unavailable for three days, and the backup site depends on a provider that is affected by the same regional event. That scenario combines a site, a system and a supplier loss, and it tells you more than a generic "data center outage" ever will.

Check your coverage

With five losses and a list of critical services, coverage becomes a simple grid: one row per service, one column per loss. Each cell answers three questions. Is there a workaround or recovery path? Has it been tested? When?

Empty cells on high-impact services are your gaps. They go straight into the investment conversation. *\[Link: How do you prioritize resilience investment?\]* The weakest cell is also a good choice for your next exercise.

A practical way to begin

  1. List your critical services.
  2. For each one, write down what happens if each of the five losses hits it.
  3. Mark where a workaround or recovery path exists, and when it was last tested.
  4. Combine losses into two or three severe but plausible scenarios for your organization.
  5. Exercise the scenario with the weakest coverage first.

How we do this in resimate

In resimate, loss scenarios run against your real dependencies, so the blast radius, the recovery sequence and the gaps come from your own data. Every capability improvement gets recorded with an owner, so you can track what each scenario still needs. Teams go live in 4 to 6 weeks, on the data they already have.

FAQ

What is an all-hazards approach to business continuity?

Planning for the impact of a disruption regardless of its cause. The five losses are a practical way to do it: site, system, supplier, people and data.

What are severe but plausible scenarios?

Disruptions that are extreme enough to stress your capabilities and still realistic for your organization. Combining two or three losses with a long duration is a reliable way to build them.

Which scenarios should a business continuity plan cover?

Each of the five losses for every critical service, plus a small number of combined scenarios that reflect your biggest dependencies and locations.

How is loss-based planning different from a risk assessment?

A risk assessment estimates the likelihood and impact of specific threats. Loss-based planning prepares the response to the outcome, whatever caused it. You need both: risk assessment to decide where to invest in prevention, loss-based planning to be ready when prevention fails.

How many scenarios should we exercise?

Start with the scenario that has the weakest coverage on your most critical service. Over a year, aim to exercise each loss type at least once.
Author
Patrick Lechner is co-founder of resimate. He has 15 years of experience building and running cyber resilience and crisis management capabilities, as a Big4 Director and as VP, Head of IT and Security, with crisis work across cyber incidents, financial crises and humanitarian emergencies. He works side by side with resilience teams in financial services, critical infrastructure and technology, and that work is still the best part of his week.
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