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Security report for ergo.lv

ERGO · Finance · Latvia

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

Security score

66/100

Risk levelMedium

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

ERGO is a well-established insurance provider operating in Latvia, offering a wide range of insurance products for both private individuals and businesses. Their services include vehicle insurance (OCTA, KASKO), health, travel, accident, property, and life insurance products. The company targets local customers and businesses, positioning itself as a reliable insurer with a comprehensive product portfolio and customer support channels including phone and WhatsApp. The website is professionally designed, mobile-optimized, and provides clear navigation and relevant content in Latvian. Privacy and cookie consent mechanisms are implemented using Usercentrics, reflecting compliance with GDPR requirements. Technically, the website employs modern technologies such as Google Tag Manager for analytics and Genesys for customer messaging. The site uses HTTPS with good SSL configuration, though security headers are not explicitly detected in the HTML content. No critical vulnerabilities or exposed sensitive data were found. However, the absence of a published security policy or incident response information is noted. The WHOIS data could not be retrieved due to query limits, limiting the ability to fully verify domain registration details. Overall, the security posture is solid with good privacy compliance and business credibility. The website demonstrates a mature digital presence suitable for a large insurance company. Recommendations include enhancing security headers, publishing security and incident response policies, and adding vulnerability disclosure information to improve transparency and trust. The risk assessment is moderate-low given the lack of WHOIS data and minor security policy gaps, but no critical issues or blocking mechanisms were detected.

Scanned

This is an earlier scan of ergo.lv. View the latest report

NIS2 and GDPR posture

GDPR outside view
10/ 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

7 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

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • 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

  2. 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 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 ergo.lv

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.

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.

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Full report

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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
65
Email security
75
DNS health
80
Network security
100
GDPR outside view
10
Average
66

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

ERGO operates in the finance sector, specifically insurance, serving both private and business clients in Latvia. The company offers a broad range of insurance products, indicating a diversified revenue stream. The website content and navigation suggest a customer-centric approach with easy access to product information and claims submission. The presence of WhatsApp support and Genesys chat integration highlights a focus on digital customer engagement. The company appears to have a strong local market position with consistent branding and trust signals such as privacy policies and contact transparency. No parent or subsidiary companies were identified from the website content. The use of Usercentrics for consent management aligns with GDPR compliance, important for operating in the EU market. The company likely generates revenue from insurance premiums and related services, targeting individuals and businesses requiring various insurance coverages.

Security posture

The website enforces HTTPS with a good SSL configuration, ensuring encrypted communication. Privacy compliance is supported by Usercentrics consent management and a comprehensive privacy policy. No security headers were explicitly detected, which is a potential area for improvement. The site does not expose sensitive data or use vulnerable libraries based on the HTML content analysis. Customer interaction is managed via Genesys, a reputable messaging platform. However, the absence of a published security policy, incident response plan, or vulnerability disclosure reduces transparency and preparedness indicators. No signs of WAF or blocking mechanisms were found, indicating open access. Overall, the security posture is good but could be enhanced by adding security headers, publishing security policies, and establishing a vulnerability disclosure process.

Recommendations

  1. Implement HTTP security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  2. Publish a clear security policy and incident response information on the website to improve transparency and user trust.
  3. Establish and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Enhance accessibility features to meet higher compliance standards and improve user experience for all visitors.
  5. Regularly audit and update third-party scripts and libraries to mitigate risks from external dependencies.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ERGO
Description
ERGO provides insurance services for private individuals and businesses, focusing on future care and protection.
Key services
OCTA (Compulsory Motor Third Party Liability Insurance), KASKO (Comprehensive vehicle insurance), Health insurance, Travel insurance, Accident insurance, Property insurance, Life insurance and savings, Special equipment insurance
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Usercentrics (Consent Management Platform), Genesys (Customer Messaging and Chat), JavaScript, SVG graphics
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Consent management for cookies
  • No exposed sensitive data in HTML
  • Use of reputable third-party scripts

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Usercentrics
Transparency
good

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 Latvian language.
  2. Comprehensive insurance product offerings for individuals and businesses.
  3. Strong presence of privacy and cookie consent mechanisms.
  4. Multiple contact channels including phone, WhatsApp, and email.
  5. Use of modern tracking and customer engagement technologies.
  6. No visible security policy or incident response information.
  7. No WHOIS data available due to query limit error.
  8. No signs of WAF or content blocking.
Technical notes

Notes

The website uses a modern tech stack including Google Tag Manager for analytics and Usercentrics for consent management, reflecting a mature approach to privacy and data collection. Genesys is integrated for customer messaging, indicating advanced customer support capabilities. The site uses SVG graphics for logos and icons, improving scalability and performance. The HTML structure is valid and includes meta tags for SEO and mobile responsiveness. Performance is moderate with no evident blocking or errors. Accessibility is basic but could be improved. No CMS or hosting provider details were detected from the HTML content. Overall, the technical infrastructure supports a professional and functional insurance website with room for enhancements in security headers and accessibility.
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

Earlier scans of this domain

  1. 63/100Medium33 findingsView report
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