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Security report for cgu.com.au

CGU Australia Pty Ltd · Finance · Australia

Medium risk. 7 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

67/100

Risk levelMedium

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

CGU Australia Pty Ltd is a well-established Australian insurance provider with a history dating back to 1861. The company offers a broad range of insurance products including car, home, travel, business, public liability, and professional indemnity insurance. The website targets insurance brokers and individual customers, emphasizing broker partnerships and comprehensive insurance solutions. The business model relies heavily on broker distribution and partnerships with financial institutions, positioning CGU as a trusted and longstanding player in the Australian insurance market. Technically, the website is built on Adobe Experience Manager CMS and uses modern web technologies including Adobe Helix RUM for performance monitoring. The site is well-structured, mobile-optimized, and SEO-friendly, providing a professional user experience. However, some improvements could be made in cookie consent and explicit security headers to enhance privacy and security compliance. From a security perspective, the site enforces HTTPS and avoids exposing sensitive data. No major vulnerabilities were detected in the HTML content. The absence of WHOIS data is due to privacy protections common for large enterprises. Overall, the security posture is strong but could benefit from publishing security policies and incident response information to improve transparency. The overall risk assessment is low with a high trustworthiness rating. Strategic recommendations include implementing cookie consent mechanisms, adding security headers, publishing security and incident response policies, and maintaining transparency about data protection practices to further enhance user trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 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

7 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

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

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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

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

Keep watching cgu.com.au

This scan found 21 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

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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
52
Security headers
15
Email security
97
DNS health
85
Network security
100
GDPR outside view
53
Average
67

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

CGU operates in the Australian finance sector as a major insurance provider with a legacy of over 160 years. Its competitive advantage lies in strong broker relationships and partnerships with financial institutions, enabling broad market reach. The business model focuses on broker-mediated sales and direct partnerships rather than direct-to-consumer sales. Revenue streams are primarily from insurance premiums across multiple product lines. The target customers include individuals, small businesses, and brokers. Growth indicators include digital resources like the STRIVE insights platform and broker portals. The partnership ecosystem includes financial institutions and government financial literacy programs. CGU's operations reflect a mature, stable insurance business with a focus on customer service and broker support.

Security posture

CGU's website demonstrates a mature security posture with mandatory HTTPS, no visible sensitive data exposure, and use of modern web technologies. However, the lack of explicit security headers such as Content-Security-Policy and absence of published security policies or incident response contacts indicate areas for improvement. No vulnerability disclosures or security.txt files were found, which could enhance transparency and trust. The privacy policy is comprehensive and GDPR compliant, but cookie consent mechanisms are missing, which may pose compliance risks. Overall, the security culture appears professional but could be strengthened by formalizing incident response and vulnerability management disclosures.

Recommendations

  1. Implement a cookie consent banner to comply with GDPR and enhance user privacy transparency.
  2. Add security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to improve defense-in-depth.
  3. Publish a dedicated security policy and incident response contact information on the website.
  4. Create and maintain a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  5. Regularly audit third-party scripts and tracking technologies to minimize privacy risks and improve compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
CGU Australia Pty Ltd
Description
Comprehensive business & personal insurance - travel, car, home, public liability & professional indemnity cover. Get your online quote today! CGU has backed individuals and small businesses across Australia since 1861, partnering with insurance brokers to protect assets, livelihoods, and ambitions.
Key services
Car insurance, Home insurance, Travel insurance, Business insurance, Public liability insurance, Professional indemnity cover, Workers compensation
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Helix RUM, Bootstrap (implied by data-bs-toggle attributes), JavaScript, CSS, HTML5
Frameworks
Adobe Experience Manager (AEM)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of deferred and async script loading

Analytics and tracking

Services
Adobe Helix RUM
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Helix RUM
Marketing tools
Adobe Helix RUM
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with rich content and navigation.
  2. No WAF or blocking detected.
  3. WHOIS data is unavailable due to privacy or query restrictions.
  4. Strong branding and consistent messaging about insurance services.
  5. No direct contact emails or phone numbers found on main page.
  6. Social media presence on Twitter, Facebook, YouTube, LinkedIn.
  7. No cookie consent banner detected, potential GDPR compliance gap.
  8. No explicit security policy or incident response info found.
  9. Use of Adobe Experience Manager CMS and Adobe Helix RUM analytics.
  10. No exposed sensitive data or obvious vulnerabilities in HTML.
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, leveraging Adobe Helix RUM for real user monitoring. It uses modern HTML5, CSS, and JavaScript with Bootstrap components for responsive design. The site loads scripts asynchronously and defers non-critical resources to optimize performance. Mobile optimization and accessibility features are well implemented. SEO best practices are followed with proper meta tags, Open Graph, and JSON-LD structured data. Hosting provider details are not explicitly found. Performance is moderate with room for improvement in loading speed. The technical infrastructure is robust and suitable for a large enterprise insurance website.
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

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