Skip to main content

Security report for hsb.com

The Hartford Steam Boiler Inspection and Insurance Company · Finance · United States

Medium risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

66/100

Risk levelMedium

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

The Hartford Steam Boiler Inspection and Insurance Company (HSB) operates as a specialized insurance and reinsurance provider focusing on equipment breakdown and specialty insurance coverages. As a subsidiary of the Munich Re Group, HSB holds a strong market position with a broad target audience including insurers, agents, business owners, and homeowners. The website reflects a professional and consistent brand image aligned with its parent company. Technically, the site leverages Adobe Experience Manager and React frameworks, integrating modern web technologies and consent management tools like Usercentrics, indicating a mature digital infrastructure. Security posture is solid with HTTPS enforcement, privacy compliance, and no visible vulnerabilities, though explicit security policies and incident response contacts are absent. Overall, the site is trustworthy, well-structured, and compliant with privacy regulations, supporting HSB's reputation as a reliable insurance entity.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 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

3 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

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

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

Keep watching hsb.com

This scan found 14 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

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
0
Security headers
90
Email security
87
DNS health
75
Network security
100
GDPR outside view
43
Average
66

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

HSB benefits from its affiliation with Munich Re Group, leveraging a strong brand and extensive resources. The business model centers on providing niche insurance products and inspection services, targeting multiple customer segments. The website's content and navigation support customer engagement and service delivery. The presence of multiple related domains and subsidiaries indicates a diversified operational footprint. Marketing and analytics tools are employed moderately, balancing user tracking with privacy compliance. The company maintains a professional online presence with clear legal and privacy documentation, enhancing credibility and customer trust.

Security posture

The website demonstrates a good security posture with enforced HTTPS, use of security-related meta tags, and integration of a consent management platform. No critical vulnerabilities or exposed sensitive data were detected. However, the absence of a published security policy, incident response information, and vulnerability disclosure mechanisms represents a compliance gap. Security headers could be enhanced by adding Content-Security-Policy and other recommended headers. Overall, the security maturity is solid but could be improved by formalizing and publishing security governance documents.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and publicize a vulnerability disclosure policy or security.txt file.
  4. Enhance HTTP security headers including Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options.
  5. Regularly review and audit third-party scripts and tracking technologies for security and privacy compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
The Hartford Steam Boiler Inspection and Insurance Company
Description
HSB sets the standard in equipment breakdown and specialty insurance and reinsurance coverages.
Key services
Equipment breakdown insurance, Specialty insurance, Reinsurance coverages, Inspection services, Claims services
Content quality
good
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), React, Usercentrics CMP, Adobe DTM/Launch, Video HTML5, Custom JavaScript
Frameworks
React, Adobe Experience Manager
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced (canonical URL is https)
  • No exposed sensitive data in HTML
  • Use of Usercentrics for cookie consent
  • No visible vulnerable libraries

Analytics and tracking

Services
Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
LeadLab
Tracking pixels
LeadLab, Adobe DTM/Launch
Marketing tools
Adobe Experience Manager, Usercentrics CMP
Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and well maintained
  2. Strong affiliation with Munich Re Group enhances trust
  3. Comprehensive privacy and cookie policies with consent mechanism
  4. No visible security policy or incident response information
  5. Use of modern web technologies and CMS
  6. Presence of multiple external tracking and marketing scripts
  7. No signs of blocking or WAF challenges
  8. Clear navigation and multiple contact points for customers
Technical notes

Notes

The website is built on Adobe Experience Manager CMS with React components, indicating a modern and scalable infrastructure. It uses asynchronous loading of scripts and integrates Usercentrics for cookie consent management. Performance is moderate with video content and multiple external scripts, but mobile optimization and accessibility are well addressed. SEO is supported by proper meta tags and Open Graph data. Hosting appears enterprise-grade, likely managed by Munich Re or a trusted provider. Technical risks are minimal but include reliance on multiple third-party tracking services which require ongoing monitoring.
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

Reviews of this site

Share your experience with hsb.com. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review hsb.com.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.