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Security report for efm.at

EFM Versicherungsmakler AG · Finance · Austria

High risk. 9 critical or high findings in GDPR outside view, SSL/TLS and 2 other checks.

Security score

28/100

Risk levelHigh

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

EFM Versicherungsmakler AG is a leading insurance brokerage firm in Austria, serving both private and commercial clients with a wide range of insurance products and services. The company positions itself as the number one insurance broker in Austria with over 75 locations and more than 120,000 customers. Their business model focuses on independent insurance comparison and personalized local broker services. The website is built on TYPO3 CMS with Bootstrap and jQuery, featuring a professional design and good navigation, targeting German-speaking Austrian customers. However, the technical infrastructure shows weaknesses, notably the lack of a valid SSL certificate and the use of an outdated PHP version, which pose significant security risks. Cookie consent and privacy policies are implemented, reflecting GDPR compliance efforts. The site integrates Google Analytics and Facebook Pixel for analytics and marketing purposes, with moderate user tracking.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 100 · Critical
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

9 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.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

  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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. 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"

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

Keep watching efm.at

This scan found 22 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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Recommended

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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
0
Security headers
15
Email security
50
DNS health
80
Network security
20
GDPR outside view
0
Average
28

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

EFM Versicherungsmakler AG holds a strong market position as Austria's leading insurance broker, leveraging a broad network of local offices to serve diverse customer segments including private individuals, businesses, and agricultural clients. Their competitive advantage lies in offering comprehensive insurance comparisons and personalized service. The company maintains active social media channels and publishes customer testimonials to build trust. The business operates primarily in the finance sector, focusing on insurance brokerage. While the website content is professional and relevant, the absence of explicit security policies and incident response information suggests room for maturity in governance. The company appears legitimate and well-established based on domain registration and DNS configurations.

Security posture

The website's security posture is weak due to the absence of a valid SSL certificate, resulting in unencrypted HTTP traffic that exposes users to interception risks. The server runs an outdated PHP 5.6 version, which is no longer supported and vulnerable to known exploits. Security headers such as HSTS, Content-Security-Policy, and others are missing, reducing protection against common web attacks. No incident response or vulnerability disclosure policies are published, and no security.txt file is present. While no critical vulnerabilities like Heartbleed or POODLE were detected, the overall security hygiene requires urgent improvement to protect customer data and maintain trust.

Recommendations

  1. Immediately obtain and deploy a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Upgrade the PHP environment to a currently supported and secure version to mitigate known vulnerabilities.
  3. Implement security headers including HSTS with preload, Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options.
  4. Publish clear security and incident response policies, including a vulnerability disclosure program and security.txt file.
  5. Enhance session security by enabling session resumption mechanisms and OCSP stapling.
  6. Regularly audit and update third-party libraries and scripts to avoid vulnerabilities.
Technical notes

Notes

The website is built on TYPO3 CMS with Bootstrap and jQuery, indicating a mature and flexible content management system. The use of Google Analytics and Facebook Pixel shows integration of modern marketing and analytics tools. However, the server runs Apache with PHP 5.6, which is outdated and unsupported, posing security and stability risks. Performance metrics are missing, but the page size and resource count suggest a moderate content load. Mobile optimization is good, with responsive design elements and viewport settings. Accessibility is basic, with some ARIA and skip links present. SEO is supported by meta tags and Open Graph data. Hosting provider details are not explicitly identified from the data. Overall, the technical stack is functional but requires modernization and security hardening.
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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