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Security report for howdenfinland.fi

Howden Finland Oy · Real Estate · Finland

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

Security score

69/100

Risk levelMedium

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

Howden Finland Oy operates as an independent insurance broker specializing in property and corporate insurance within Finland. It is part of the global Howden Group, the world's largest independent insurance brokerage network. The company offers a broad range of insurance services including property insurance, corporate insurance, personal insurance, claims handling, and risk assessments. Their market position is strengthened by their global network and local expertise, targeting property owners and corporate clients in Finland. Technically, the website is built on Drupal 10, leveraging modern web technologies and analytics tools such as Google Tag Manager and Iubenda for cookie compliance. The site is well-optimized for mobile devices, accessible, and SEO-friendly, reflecting a mature digital infrastructure. Hosting appears to be supported by Cloudflare, enhancing performance and security. From a security perspective, the site enforces HTTPS, implements cookie consent mechanisms compliant with GDPR, and uses anti-bot measures on forms. However, there is no publicly available security policy or incident response information, and no explicit data protection officer contact details. The absence of WHOIS registration data raises some concerns about domain registration transparency, although the website content and structured data strongly indicate a legitimate business. Overall, the website presents a professional, trustworthy, and compliant digital presence with minor gaps in public security disclosures and domain registration transparency. Strategic improvements in these areas would enhance trust and security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 100 · Medium
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. 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 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';…

  2. GDPR outside view

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

    • 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 Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube, Cloudflare

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching howdenfinland.fi

This scan found 21 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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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
65
Security headers
35
Email security
80
DNS health
85
Network security
100
GDPR outside view
50
Average
69

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

Howden Finland benefits from being part of the Howden Broking Group, leveraging a global network to serve local Finnish clients. Their business model focuses on acting as an independent broker advocating for client interests, which differentiates them in the insurance market. The company targets property owners, real estate managers, and corporate clients, offering tailored insurance solutions and risk management services. The multilingual and multi-regional website presence indicates a strategy to serve diverse markets and expand reach. The partnership ecosystem includes parent and related group companies, enhancing service capabilities. Growth indicators include active content publishing, client testimonials, and a comprehensive service portfolio.

Security posture

The website demonstrates a solid security foundation with HTTPS enforcement, Content Security Policy nonce usage, and GDPR-compliant cookie consent. Anti-bot protections on forms reduce spam and abuse risks. However, the lack of a published security policy, incident response plan, or vulnerability disclosure mechanism limits transparency and preparedness visibility. No security certifications or data protection officer contacts are disclosed. The missing WHOIS data is a notable gap, potentially impacting domain trustworthiness. Overall, the security posture is good but could be improved by publishing formal policies and enhancing transparency.

Recommendations

  1. Publish a dedicated security policy and incident response page to improve transparency and user trust.
  2. Implement and publicly disclose a vulnerability disclosure program or security.txt file.
  3. Provide clear contact information for a Data Protection Officer or privacy contact.
  4. Verify and update WHOIS domain registration information to ensure consistency and trust.
  5. Regularly audit third-party scripts and dependencies to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Legal name
Howden Finland Oy
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Howden Finland Oy
Description
Howden Finland on kiinteistöjen ja yritysten vakuuttamiseen ja vahinkoihin erikoistunut vakuutusmeklari, joka edistää ja valvoo etujasi vakuutusasioissa. Tärkein tehtävämme on huolehtia asiakkaidemme edusta puolueettomasti. Riippumattomuus vakuutusyhtiöistä sekä muista kiinteistöalan toimijoista onkin peruslähtökohta kaikkeen toimintaamme liittyen.
Key services
kiinteistövakuutukset, yritysvakuutukset, henkilövakuutukset, vahinkojen hoito, riskikartoitukset, vakuutusanalyysi
Content quality
excellent
Branding
consistent

Technology

Stack
Drupal 10, Google Tag Manager, Iubenda cookie solution, Cloudflare Insights
Frameworks
Drupal CMS
Platforms
Web
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular controls
  • No exposed sensitive data in HTML
  • Anti-bot measures on forms

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Iubenda Cookie Solution
Marketing tools
Iubenda
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 rich content and professional design.
  2. Strong GDPR and cookie compliance with user consent mechanisms.
  3. Multiple language and country versions available indicating global presence.
  4. No security policy or incident response information publicly available.
  5. WHOIS data missing, which reduces trustworthiness from a domain registration perspective.
  6. Use of modern web technologies and analytics tools.
  7. Contact information is clearly presented with multiple channels.
  8. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on Drupal 10, a modern and widely supported CMS, ensuring a robust content management framework. Integration with Google Tag Manager and Iubenda indicates mature analytics and privacy compliance capabilities. Hosting via Cloudflare provides performance optimization and security benefits. The site is mobile-optimized, accessible, and SEO-friendly, with structured data enhancing search engine understanding. Performance is moderate, with potential for further optimization. No critical technical debt or deprecated technologies were detected. The technical infrastructure supports the business needs effectively with room for incremental 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

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