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Security report for cumbriainsurance.co.uk

David Roberts & Partners (Insurance Brokers) Limited · Finance · United Kingdom

Medium risk. 6 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

52/100

Risk levelMedium

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

Cumbria Insurance Brokers is a well-established independent insurance brokerage firm with over 60 years of history, serving businesses primarily in the North West of England and South Scotland. As part of the David Roberts & Partners Group since 2021, it leverages the benefits of a larger network while maintaining local client focus. The website presents a professional image with clear service offerings including commercial, fleet, cyber, professional indemnity, marine insurance, employee benefits, and claims handling. The company is FCA authorized and regulated, with trust signals such as BIBA membership enhancing credibility. Technically, the website is built on WordPress using modern plugins like Yoast SEO and Contact Form 7, with good mobile optimization and SEO practices. The site uses HTTPS with no visible security misconfigurations, though security headers are not explicitly detected. Privacy compliance is partially addressed with a comprehensive privacy policy linked to the parent company’s domain, but lacks a cookie consent mechanism. Contact information is clearly provided, supporting user trust and communication. Security posture is solid with HTTPS and no exposed sensitive data, but could be improved by adding security headers and explicit incident response information. No vulnerabilities or suspicious content were detected. Overall, the site is trustworthy and professional, with minor areas for improvement in privacy and security transparency. Strategically, the company should focus on enhancing privacy compliance with cookie consent, publishing security policies, and implementing security headers to strengthen its security posture and regulatory adherence.

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

6 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 cumbriainsurance.co.uk

This scan found 26 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
47
Security headers
15
Email security
85
DNS health
70
Network security
40
GDPR outside view
53
Average
52

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention cumbriainsurance.co.uk, from OffSeq Breach.

No leaked records found

Breach holds no records for cumbriainsurance.co.uk right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

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

Business context

Business profile

Cumbria Insurance Brokers operates in the competitive UK insurance brokerage market, targeting SMEs and businesses requiring tailored insurance solutions. Its long history and integration into the David Roberts & Partners Group provide competitive advantages including broader service capabilities and brand recognition. Revenue streams likely derive from brokerage commissions and specialist insurance services. The company’s partnership ecosystem includes the parent group and industry bodies like BIBA, supporting credibility and market reach. Growth indicators include recent group integration and expanded service offerings. The company maintains a local focus with UK-wide professional services, positioning it as a trusted regional broker with national capabilities.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and no visible exposure of sensitive data. However, the absence of key security headers such as Content-Security-Policy and X-Frame-Options represents a gap that could be exploited in certain attack scenarios. No incident response or security policy information is published, which may impact customer confidence and regulatory compliance. The use of reputable WordPress plugins and regular updates is implied but not confirmed. GDPR compliance is partially addressed via a privacy policy, but cookie consent mechanisms are missing. Overall, the security posture is good but could be enhanced by adopting additional best practices and transparency measures.

Recommendations

  1. Implement comprehensive security headers (CSP, X-Frame-Options, X-Content-Type-Options) to mitigate common web vulnerabilities.
  2. Add a cookie consent banner/mechanism to comply fully with GDPR and ePrivacy regulations.
  3. Publish explicit security and incident response policies on the website to improve transparency and trust.
  4. Ensure all WordPress core, themes, and plugins are regularly updated to reduce vulnerability risks.
  5. Consider appointing and publishing Data Protection Officer contact details to strengthen data protection governance.

Contact details published on the site

Addresses
Legal name
David Roberts & Partners (Insurance Brokers) Limited
Registration number
1329408
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
David Roberts & Partners (Insurance Brokers) Limited
Description
Cumbria Insurance Brokers is an independent insurance broker established in 1963, providing personal and professional insurance services primarily across the North West and South Scotland. They joined David Roberts & Partners Group in 2021, maintaining independence while benefiting from a larger broker network.
Key services
Commercial Insurance, Fleet Insurance, Cyber Insurance, Professional Indemnity, Marine Insurance, Employee Benefits, Claims Handling
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Yoast SEO plugin, jQuery 3.6.0, Swiper.js 8.3.1, Contact Form 7 plugin
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of reputable plugins

Analytics and tracking

Services
Google Analytics (via gtag.js)
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Google Tag Manager (gtag.js)
Marketing tools
Yoast SEO
Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and maintained.
  2. Clear and consistent branding with parent company David Roberts & Partners.
  3. Comprehensive specialist insurance services presented.
  4. Contact information is clearly provided with multiple channels.
  5. No visible security or privacy policy documents beyond privacy policy.
  6. No cookie consent mechanism detected despite GDPR relevance.
  7. No explicit security or incident response policies published.
  8. Use of modern web technologies and SEO best practices.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on a WordPress CMS platform with modern front-end technologies including jQuery and Swiper.js for interactive elements. SEO is enhanced using the Yoast SEO plugin, and contact forms are managed via Contact Form 7. The site loads with moderate performance and good mobile responsiveness. Accessibility features are basic but present, such as skip links and screen reader text. Hosting details are not explicitly disclosed. The technical stack is standard for small to medium business websites, with opportunities to improve performance and security through optimization and enhanced headers.
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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