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Security report for exali.de

exali AG · Other · Germany

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

Security score

64/100

Risk levelMedium

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

exali AG is a specialized digital insurance provider focused on offering tailored insurance solutions for freelancers, self-employed professionals, and companies primarily in IT, media, consulting, legal, and eCommerce sectors. Founded in 2008 and headquartered in Germany, exali has established a strong market presence with over 20,000 customers across 28 European countries. Their business model emphasizes fast, flexible, and modular insurance products accessible online with personal expert support. The website reflects a professional and trustworthy brand with comprehensive service offerings and strong customer trust signals such as eKomi Gold Seal and detailed testimonials. Technically, the website employs a modern JavaScript stack including RequireJS, jQuery, and Usercentrics for consent management, alongside Google Tag Manager for analytics and marketing. The site is mobile-optimized with good SEO practices and uses lazy loading for performance. Security posture is solid with HTTPS enforced and privacy compliance mechanisms in place, though HTTP security headers and explicit incident response contacts could be improved. Overall, the security posture is good with no visible vulnerabilities or exposed sensitive data. The site respects GDPR requirements and provides clear contact channels. The domain WHOIS data aligns well with the business claims, indicating legitimacy and consistent registration. No WAF or blocking mechanisms interfere with content access. Strategically, exali is well-positioned as a digital-first insurer catering to niche professional markets with scalable and customizable insurance products. The website supports this positioning with clear navigation, rich content, and strong trust indicators, making it a credible and reliable platform for its target audience.

Scanned

NIS2 and GDPR posture

GDPR outside view
28/ 100 · High
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. 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 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"

    • 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';…

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

Keep watching exali.de

This scan found 25 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

€39.90one-time

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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
67
Security headers
35
Email security
85
DNS health
70
Network security
100
GDPR outside view
28
Average
64

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

exali AG operates in the digital insurance sector targeting freelancers and SMEs in specialized professional fields such as IT, media, consulting, and legal services. Their competitive advantage lies in fast online contracting, modular insurance products tailored to specific industries, and personal expert support rather than anonymous call centers. Revenue streams likely include premiums from various professional liability and cyber insurance products. The company maintains a broad partnership ecosystem with industry platforms and professional associations enhancing market reach. Growth indicators include multi-country presence and a large customer base. The company emphasizes digital maturity and customer-centric service, leveraging modern web technologies and consent management to comply with privacy regulations.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and integration of a consent management platform (Usercentrics) ensuring GDPR compliance. Google Tag Manager is configured with default deny consent settings for ad and analytics storage, reflecting privacy-conscious data collection. No security.txt or explicit incident response contacts are published, representing an area for improvement. The absence of HTTP security headers in the HTML content suggests potential enhancement opportunities. No vulnerable libraries or exposed sensitive data were detected. Overall, the security measures align with industry best practices for a commercial website but could be strengthened with additional headers and formal vulnerability disclosure mechanisms.

Recommendations

  1. Implement HTTP security headers such as Content-Security-Policy, Strict-Transport-Security, X-Frame-Options, and X-XSS-Protection to enhance browser security.
  2. Publish a security.txt file at the root domain to facilitate responsible vulnerability disclosure and improve transparency.
  3. Provide explicit incident response contact information (e.g., security@ or abuse@ email addresses) on the website or legal pages.
  4. Regularly audit third-party scripts and libraries to ensure no vulnerabilities or outdated components are present.
  5. Enhance accessibility features to improve compliance with WCAG standards and broaden user inclusivity.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
exali AG
Description
Versicherungen für Selbstständige, Freiberufler und Unternehmen im Bereich IT, Medien und Beratung. Sicherheit. Auch wenn mal was daneben geht.
Key services
IT-Haftpflichtversicherung, Media-Haftpflichtversicherung, Consulting-Haftpflichtversicherung, Anwalts-Haftpflichtversicherung, eCommerce-Versicherungen, D&O-Versicherung, Berufshaftpflicht für Architekten und Ingenieure, Cyber-Versicherung
Content quality
excellent
Branding
consistent

Technology

Stack
RequireJS, jQuery, Google Tag Manager, Usercentrics Consent Management, Bootstrap (modal), Featherlight lightbox, LazySizes (lazy loading images), Stapes.js, Debounce.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Consent management via Usercentrics
  • Google Tag Manager with consent default deny
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Usercentrics Consent Management
Transparency
good

Site quality

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

Key observations

  1. Website offers specialized insurance products for freelancers and businesses in IT, media, consulting, legal, and eCommerce sectors.
  2. Strong emphasis on digital-first insurance solutions with quick online contracting.
  3. Multiple language and country-specific versions available.
  4. Comprehensive customer support with phone, callback, and contact form options.
  5. Use of modern web technologies and consent management for privacy compliance.
  6. Good customer trust signals including eKomi Gold Seal and testimonials.
  7. No signs of malicious or suspicious activity.
Technical notes

Notes

The website uses a modular JavaScript architecture with RequireJS and jQuery, supported by various helper libraries for UI components such as modals, sliders, and accordions. Consent management is handled by Usercentrics, integrated asynchronously to avoid blocking page load. Google Tag Manager is used for analytics and marketing tags with consent-aware configuration. Images are lazy-loaded for performance optimization. The site is responsive with tailored layouts for desktop, tablet, and mobile. SEO is supported by meta tags, Open Graph data, canonical links, and structured data (JSON-LD) describing the product and aggregate ratings. No CMS is explicitly detected, suggesting a custom or proprietary platform. Performance is moderate with room for optimization, especially in accessibility and security 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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