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Security report for fmglobal.com

FM · Real Estate · N/a

Low risk. No critical or high findings.

Security score

87/100

Risk levelLow

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

FM is a specialized commercial property insurance provider delivering tailored insurance solutions to protect businesses and enhance resilience against risks. The company targets businesses requiring robust property insurance and risk management services. The website reflects a strong market position with professional branding and comprehensive service offerings. Technically, the site employs modern frameworks such as Bootstrap and VideoJS, integrates advanced analytics via Google Tag Manager and Dynatrace, and implements privacy compliance through OneTrust cookie consent mechanisms. Security posture is strong with HTTPS enforcement and multiple security headers, although explicit security policy and incident response information are not published. Overall, FM demonstrates a mature digital presence with good security and privacy practices, though domain registration transparency is limited due to unavailable WHOIS data.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 100 · Low
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

No critical or high findings. These medium findings are worth fixing next.

  1. 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.

    • Medium

      Missing Permissions-Policy header

      Controls browser features and APIs

      What to do: Implement a Permissions-Policy to restrict feature access

      • OWASP Secure Headers: OWASP Secure Headers Project recommends Permissions-Policy: accelerometer=(), autoplay=(), camera=(), cross-origin-isolated=(),…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Medium

      Privacy policy may not be GDPR compliant

      Privacy policy lacks explicit GDPR compliance elements

      What to do: Update privacy policy to explicitly address GDPR requirements and user rights

  3. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Medium

      No DKIM record found

      DKIM adds cryptographic signatures to emails

      What to do: Configure DKIM with your email provider

    • Medium

      No MTA-STS Policy

      MTA-STS enforces TLS for email delivery

      What to do: Implement MTA-STS to prevent downgrade attacks

  4. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • Medium

      DNSSEC Not Enabled

      DNSSEC is not configured for this domain

      What to do: Enable DNSSEC to prevent DNS spoofing attacks

      • CAPEC-142
      • RFC 4033
      • RFC 4035

Keep watching fmglobal.com

This scan found 12 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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  • The complete analysis as a PDF you can cite
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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
100
Security headers
80
Email security
70
DNS health
85
Network security
100
GDPR outside view
88
Average
87

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

FM operates in the real estate and insurance sectors, focusing on commercial property insurance and risk management. The business model centers on providing insurance products and loss prevention services to commercial clients. The website's multilingual support indicates a global or multi-regional market approach. The company leverages partnerships and analytics tools to optimize marketing and user engagement. While no explicit certifications or subsidiaries are listed, the professional presentation and comprehensive policies suggest a well-established enterprise. The absence of WHOIS data may be due to domain privacy or reservation, which is common for large enterprises but reduces transparency.

Security posture

The website exhibits a strong security posture with HTTPS enforced and multiple security headers implemented, enhancing protection against common web vulnerabilities. The use of cookie consent and privacy policies aligns with GDPR compliance. However, the lack of a published security policy, incident response contacts, and vulnerability disclosure mechanisms indicates room for improvement in transparency and readiness. No vulnerabilities or exposed sensitive data were detected in the analysis. The integration of third-party analytics and tracking scripts is managed with consent mechanisms, reducing privacy risks. Overall, the security maturity is good but could be enhanced by publishing dedicated security and incident response information.

Recommendations

  1. Publish a dedicated security policy page outlining security frameworks and practices.
  2. Provide clear incident response contact information, including security and abuse emails.
  3. Implement and publicize a vulnerability disclosure policy and security.txt file.
  4. Regularly audit third-party scripts and dependencies for vulnerabilities.
  5. Enhance domain registration transparency by ensuring WHOIS data is available or providing justification for privacy.

Contact details published on the site

Addresses
Legal name
FM Global
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
FM
Description
FM delivers tailored commercial property insurance to protect your business, build resilience, and keep you ahead of risks.
Key services
Commercial property insurance, Loss prevention, Risk management
Content quality
excellent
Branding
consistent

Technology

Stack
VideoJS, Bootstrap 4, OneTrust Cookie Consent, Google Tag Manager, Dynatrace RUM
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data detected
  • Use of modern JavaScript libraries

Analytics and tracking

Services
Google Tag Manager, Dynatrace Real User Monitoring
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Dynatrace Real User Monitoring
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Professional and consistent branding and design.
  3. Comprehensive privacy and cookie policies with consent mechanisms.
  4. No explicit or adult content detected.
  5. Use of modern web technologies and analytics tools.
  6. WHOIS data unavailable, limiting domain registration transparency.
Technical notes

Notes

The website is built using modern web technologies including Bootstrap 4 for responsive design and VideoJS for media playback. It integrates OneTrust for cookie consent management and Google Tag Manager along with Dynatrace for analytics and performance monitoring. The CMS appears to be Sitecore based on URL and script patterns. Performance is moderate with good mobile optimization and accessibility features. SEO is well addressed with proper meta tags and Open Graph data. The site uses HTTPS with strong SSL configuration and security headers, indicating a secure hosting environment. Opportunities exist to improve technical documentation of security policies and incident response capabilities.
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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