Skip to main content

Security report for caa.lu

Commissariat aux Assurances · Government · Luxembourg

Medium risk. 3 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

65/100

Risk levelMedium

0–100, higher is better. How it is calculated

The Commissariat aux Assurances website serves as the official regulatory authority for the insurance sector in Luxembourg. It provides comprehensive information and resources for insurance operators, consumers, and stakeholders, including regulatory documents, circulars, and consumer alerts. The site is professionally designed with clear navigation and bilingual support (French and English), targeting industry participants and the general public interested in insurance regulation. Technically, the website employs a modern but straightforward technology stack including jQuery and tarteaucitron.js for cookie consent management. The site is accessible, mobile-optimized, and includes SEO best practices. However, no explicit CMS or hosting provider details are evident. Performance is moderate with room for improvement in accessibility features. From a security perspective, the site uses HTTPS and implements cookie consent mechanisms, but lacks visible advanced security headers and explicit security policies. No vulnerabilities or exposed sensitive data were detected. The absence of WHOIS data limits domain trust assessment, but the official .lu domain and professional content support legitimacy. Google Analytics is used with user consent, indicating privacy awareness. Overall, the website presents a low-risk profile with strong business credibility and good privacy compliance. Strategic recommendations include enhancing security headers, publishing incident response contacts, and improving accessibility to further strengthen trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

3 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

  3. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • High

      High-Risk Service Exposed: FTP

      Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer

      What to do: Consider restricting access to FTP or implementing strong authentication

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

Need hands-on remediation? Email guard@offseq.com

Keep watching caa.lu

This scan found 18 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
67
Security headers
85
Email security
65
DNS health
85
Network security
20
GDPR outside view
68
Average
65

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The Commissariat aux Assurances holds a key position as Luxembourg's official insurance regulator, overseeing multiple insurance-related sectors including direct insurance, reinsurance, pension funds, and distribution. Its business model is regulatory and supervisory, funded by government or sector fees rather than commercial revenue. The website reflects a mature, stable institution with a medium-sized operational footprint. The target audience includes insurance companies, consumers, and regulatory bodies. The site’s partnership with h2a.lu for web development indicates collaboration with local service providers. The absence of social media presence suggests a focus on formal communication channels. The organization maintains transparency through published circulars, reports, and consumer alerts, supporting its authoritative market position.

Security posture

The website demonstrates a baseline security posture with HTTPS enabled and a robust cookie consent framework that respects user privacy. However, the lack of HTTP security headers such as Content Security Policy, HSTS, and X-Frame-Options indicates room for improvement in defense-in-depth. No incident response or security policy information is publicly available, which could hinder rapid response to security events. The use of third-party scripts like Google Analytics is managed with user consent, aligning with GDPR requirements. The absence of WHOIS data is a concern for domain transparency but may be a technical anomaly. Overall, the security posture is adequate for a government regulatory site but would benefit from enhanced security controls and transparency.

Recommendations

  1. Implement comprehensive HTTP security headers including CSP, HSTS, and X-Frame-Options to mitigate common web attacks.
  2. Publish a clear security policy and incident response contact information to improve transparency and readiness.
  3. Conduct regular security audits of third-party scripts and dependencies to prevent vulnerabilities.
  4. Enhance website accessibility features to comply with WCAG standards and improve user experience for all visitors.
  5. Investigate and resolve WHOIS data availability issues to improve domain trust and transparency.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Commissariat aux Assurances
Description
Le Commissariat aux Assurances est l'organe officiel luxembourgeois de surveillance du secteur des assurances.
Key services
Supervision of insurance direct operators, Supervision of reinsurance, Supervision of pension funds, Regulatory documentation publication, Consumer information and protection, Financial crime monitoring
Content quality
good
Branding
consistent

Technology

Stack
jQuery 2.2.0, tarteaucitron.js (cookie consent), HTML5, CSS3
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • Cookie consent with deny/accept options
  • No visible exposed sensitive data
  • No vulnerable libraries detected

Analytics and tracking

Services
Google Analytics (GA4)
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Google Analytics (GA4)
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content in French and English.
  2. No WAF or blocking mechanisms detected.
  3. WHOIS data unavailable, limiting domain trust analysis.
  4. Strong cookie consent implementation with tarteaucitron.js.
  5. Contact information is clearly provided with official email and phone.
  6. No social media links detected.
  7. No forms detected on the homepage content.
  8. No explicit security policy or incident response contact found.
  9. Google Analytics (GA4) used with user consent mechanism.
  10. Website content is professional, relevant, and well-structured.
Technical notes

Notes

The website uses a classic HTML5 structure with jQuery 2.2.0 and tarteaucitron.js for cookie management, indicating a moderate level of technical modernization. The absence of a detected CMS suggests a custom or static site approach. Performance is moderate with no major blocking scripts detected. SEO is supported by proper meta tags and multilingual support. Accessibility is basic but could be improved. Hosting details are not disclosed, and no advanced frameworks or platforms are evident. The site is mobile-optimized and uses standard web technologies, but could benefit from modernization and enhanced security configurations.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Reviews of this site

Share your experience with caa.lu. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review caa.lu.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.