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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

63/100

Risk levelMedium

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

ERGO is a well-established insurance provider 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, life insurance, and pension products. The company targets Latvian residents and businesses, positioning itself as a comprehensive insurer with a strong local presence and customer support infrastructure. The website reflects a professional and consistent brand image with clear navigation and relevant content tailored to their audience. Technically, the website employs modern web technologies including JavaScript frameworks, Google Tag Manager for analytics, Usercentrics for cookie consent management, and Genesys for customer messaging. The site is mobile-optimized and performs moderately well, with good SEO and accessibility basics. Privacy compliance is well addressed through explicit cookie consent mechanisms and a comprehensive privacy policy. From a security perspective, the site enforces HTTPS and uses consent-based tracking, minimizing privacy risks. However, it lacks publicly visible security policies and incident response contacts, which could enhance trust and preparedness. No critical vulnerabilities or suspicious content were detected. Overall, the security posture is solid but could benefit from additional transparency and security headers. The overall risk assessment is low, with the website demonstrating professionalism, compliance, and technical maturity. Strategic recommendations include publishing a dedicated security policy, adding incident response contacts, and enhancing security headers to further strengthen the security posture and user trust.

Scanned

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 24 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
64
Security headers
65
Email security
75
DNS health
65
Network security
100
GDPR outside view
10
Average
63

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 and insurance sector, serving both private and business clients in Latvia. Their broad product portfolio and local customer service centers indicate a strong market position. The business model relies on diversified insurance offerings, including mandatory vehicle insurance and voluntary health and life insurance products. The presence of loyalty programs and digital claim submission tools suggests a focus on customer retention and digital transformation. Partnerships with service centers and integration of modern customer engagement platforms like Genesys indicate a mature operational ecosystem. The company appears to be large and established, with consistent branding and a professional online presence supporting its market credibility.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and a robust cookie consent mechanism via Usercentrics, ensuring GDPR compliance. Use of Google Tag Manager is configured with default denial of ad and analytics storage until consent is given, reflecting privacy-conscious design. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a public security policy and incident response contacts is a gap in transparency and readiness. Security headers are not explicitly visible in the provided data, suggesting room for improvement. Overall, the site balances user privacy and security well but should enhance its security communication and technical defenses.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and controls.
  2. Provide clear incident response contact information (e.g., security@ or abuse@ email).
  3. Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  4. Regularly audit and update third-party scripts to mitigate potential vulnerabilities.
  5. Enhance accessibility features to meet higher compliance standards and improve user experience.

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 security 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, Pension products
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Usercentrics CMP, Genesys Web Messaging, SVG graphics
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in mechanism
  • No exposed sensitive data in HTML
  • Use of Google Tag Manager with consent defaults to denied
  • No visible vulnerable libraries

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Usercentrics Consent Management Platform, Genesys Messaging
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 no blocking or WAF challenges.
  2. Comprehensive insurance product offerings for private and business clients.
  3. Strong privacy and cookie consent implementation using Usercentrics.
  4. Multiple contact channels including phone, WhatsApp, and email.
  5. Use of modern tracking and customer engagement tools like Google Tag Manager and Genesys.
  6. No visible security policy or incident response information publicly available.
  7. No vulnerability disclosure or security.txt found.
  8. Good branding consistency and professional design.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website uses a modern JavaScript-based front end with SVG graphics for icons and logos, ensuring scalability and visual clarity. Integration with Google Tag Manager and Usercentrics CMP indicates a focus on analytics and privacy compliance. The use of Genesys for customer messaging shows investment in real-time customer engagement. The site is mobile-optimized and structured with semantic HTML elements, supporting SEO and accessibility. Performance is moderate, with potential improvements in loading speed and accessibility compliance. No CMS or hosting provider details were detected, suggesting a custom or proprietary platform. Overall, the technical infrastructure supports business goals effectively but could benefit from enhanced performance tuning and accessibility improvements.
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. 66/100Medium31 findingsView report
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