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Security report for howdengroup.com

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 Broking Group, which is one of the largest independent insurance brokerage groups worldwide. The company offers a broad range of insurance services including property insurance, corporate insurance, personal insurance, risk assessments, and claims management. Their market position is strong within the Finnish insurance brokerage sector, leveraging global expertise and local presence to serve both property and business clients effectively. Technically, the website is built on Drupal 10, employing modern web technologies and integrations such as Google Tag Manager and Iubenda for cookie and privacy management. The site is well-optimized for performance, mobile responsiveness, and accessibility, reflecting a mature digital infrastructure. Analytics and tracking are implemented with privacy compliance in mind, including granular cookie consent mechanisms. From a security perspective, the site enforces HTTPS with strong SSL configuration and uses security headers such as Content-Security-Policy with nonce values. Anti-bot measures are in place for form submissions, and no sensitive data is exposed in the HTML. However, the absence of a publicly available security policy, incident response information, and vulnerability disclosure reduces transparency. The WHOIS data for the domain is missing, which raises concerns about domain registration legitimacy and should be further investigated. Overall, the website presents a professional, trustworthy, and compliant digital presence for Howden Finland Oy, with strong business credibility and technical maturity. The main risk lies in the lack of WHOIS transparency and limited public security governance documentation, which should be addressed to enhance trust and compliance.

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 howdengroup.com

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

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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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
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 Oy is positioned as a key player in the Finnish insurance brokerage market, serving both property owners and corporate clients. Its affiliation with the global Howden Broking Group provides competitive advantages including access to international insurance markets and specialist expertise. The business model focuses on independent brokerage, risk management consulting, and claims handling, generating revenue through brokerage commissions and advisory services. The target customers include real estate companies, housing associations, and businesses requiring tailored insurance solutions. The company demonstrates growth potential through its integration with a global network and digital service offerings. Partnerships with Howden Group and related entities strengthen its market reach and service capabilities. The website content and structure reflect a customer-centric approach with clear segmentation for property and corporate clients, supporting effective lead generation and client engagement.

Security posture

The website exhibits a mature security posture with HTTPS enforced and modern security headers implemented. Cookie consent is managed via Iubenda, supporting GDPR compliance and user privacy preferences. Anti-bot protections on forms reduce spam and abuse risks. No critical vulnerabilities or exposed sensitive information were detected in the HTML content. However, the absence of a dedicated security policy page, incident response contact details, and vulnerability disclosure mechanisms limits transparency and preparedness communication. The missing WHOIS data for the domain is a notable concern, potentially indicating privacy protection or registration issues. Overall, the security maturity is good but could be improved by publishing comprehensive security governance documents and incident response procedures.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and compliance.
  2. Provide clear incident response contact information to facilitate reporting and communication.
  3. Implement and publicize a vulnerability disclosure policy or security.txt file.
  4. Disclose data protection officer contact details to enhance GDPR transparency.
  5. Regularly review and audit third-party scripts and tracking tools to minimize privacy risks.

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, Riskikartoitus, Vakuutusanalyysi
Content quality
excellent
Branding
consistent

Technology

Stack
Drupal 10, JavaScript, Google Tag Manager, Iubenda Cookie Solution, Cloudflare Insights
Frameworks
Drupal
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular control
  • 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 no blocking detected.
  2. Professional insurance brokerage site focused on Finnish market.
  3. Strong GDPR and cookie compliance with Iubenda integration.
  4. Multiple contact methods including phone, email, and contact form.
  5. No security policy or incident response info publicly available.
  6. WHOIS data missing, which is unusual and warrants caution.
  7. Use of modern CMS (Drupal 10) and analytics tools.
  8. Consistent branding and high-quality content.
  9. No adult or questionable content detected.
Technical notes

Notes

The website is built on Drupal 10, a modern and secure CMS platform, ensuring a solid foundation for content management and security. The use of Google Tag Manager and Google Analytics enables effective traffic analysis and marketing insights, while Iubenda manages cookie consent and privacy compliance efficiently. The site is hosted behind Cloudflare, providing performance optimization and security benefits. The site demonstrates fast loading times, excellent mobile optimization, and good accessibility features. The technical implementation is robust with no visible errors or broken elements. Opportunities exist to enhance security transparency and incident readiness through additional documentation and public disclosures.
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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