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)
a(a) Risk analysis and security policies: Not visible from outside
b(b) Incident handling: One indicator
c(c) Business continuity, backups and crisis management: Not visible from outside
d(d) Supply chain security: Not visible from outside
e(e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
f(f) Assessing the effectiveness of security measures: Not visible from outside
g(g) Cyber hygiene and security training: Not visible from outside
h(h) Cryptography and encryption: Partly checked
i(i) HR security, access control and asset management: One indicator
j(j) Multi-factor authentication and secured communications: Not visible from outside
Partly checked
One indicator
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.
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"
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.
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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.
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
Implement comprehensive security headers (CSP, X-Frame-Options, X-Content-Type-Options) to mitigate common web vulnerabilities.
Add a cookie consent banner/mechanism to comply fully with GDPR and ePrivacy regulations.
Publish explicit security and incident response policies on the website to improve transparency and trust.
Ensure all WordPress core, themes, and plugins are regularly updated to reduce vulnerability risks.
Consider appointing and publishing Data Protection Officer contact details to strengthen data protection governance.
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.
Contact information is clearly provided with multiple channels.
No visible security or privacy policy documents beyond privacy policy.
No cookie consent mechanism detected despite GDPR relevance.
No explicit security or incident response policies published.
Use of modern web technologies and SEO best practices.
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.
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