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Security report for insurance.lv

ERGO · Finance · Latvia

Medium risk. 7 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

ERGO is a well-established insurance provider operating in Latvia, offering a comprehensive range of insurance products for both private individuals and businesses. Their services include vehicle insurance (OCTA, KASKO), health, travel, accident, property, and life insurance products. The company targets the Latvian market with a strong local presence and customer support channels including phone and WhatsApp. The website reflects a professional and consistent brand image with good content quality and clear navigation. Technically, the website employs modern web technologies including JavaScript, Google Tag Manager for analytics, Usercentrics for cookie consent management, and Genesys for customer messaging. The site is mobile-optimized and performs moderately well, with good SEO and basic accessibility features. Security best practices such as HTTPS enforcement and cookie consent mechanisms are in place, though formal security policies and incident response contacts are not published. The security posture is solid with no visible vulnerabilities or exposed sensitive data. Privacy compliance is strong, with GDPR-aligned policies and consent mechanisms. The WHOIS data confirms the legitimacy of the domain with consistent registrant information matching the business claims. Overall, the website demonstrates a mature digital presence with room for improvement in formal security documentation and accessibility. Strategic recommendations include publishing a dedicated security policy, providing incident response contact details, implementing a security.txt file for vulnerability disclosure, enhancing accessibility compliance, and adding security headers to further harden the site against attacks.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
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

7 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 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 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"

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

Keep watching insurance.lv

This scan found 24 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

  • 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
67
Security headers
65
Email security
75
DNS health
65
Network security
100
GDPR outside view
10
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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention insurance.lv, from OffSeq Breach.

No leaked records found

Breach holds no records for insurance.lv right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

ERGO holds a strong market position as a leading insurance provider in Latvia, serving both private and corporate clients. Their diversified product portfolio and local customer service infrastructure provide competitive advantages. The business model focuses on direct insurance sales supported by digital channels and physical customer centers. Revenue streams likely derive from insurance premiums across multiple product lines. The company leverages partnerships with service providers such as auto repair shops and uses advanced customer engagement platforms. Growth indicators include active marketing campaigns and loyalty programs. The partnership ecosystem includes third-party analytics and consent management providers, enhancing operational efficiency and compliance.

Security posture

The website exhibits a mature security posture with HTTPS enforced and no exposed sensitive information. Cookie consent is managed via Usercentrics, ensuring GDPR compliance. The use of Genesys for customer messaging indicates a focus on secure and managed communication channels. However, the absence of a published security policy and incident response contacts represents a compliance gap. No vulnerability disclosure mechanisms or security.txt files were found, limiting transparency for security researchers. Security headers are not explicitly detected in the HTML content, suggesting potential improvements. Overall, the site is secure but could enhance its security culture and transparency.

Recommendations

  1. Publish a formal security policy page accessible from the website footer or About section.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and publish a security.txt file to facilitate responsible vulnerability disclosure.
  4. Enhance website accessibility to meet WCAG standards for broader user inclusivity.
  5. Add security headers like Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ERGO
Description
ERGO provides insurance services for private individuals and businesses, offering a wide range of insurance products including vehicle, health, travel, property, life, and accident insurance.
Key services
OCTA (Compulsory Motor Third Party Liability Insurance), KASKO (Comprehensive vehicle insurance), Health insurance, Travel insurance, Accident insurance, Property insurance, Life insurance and savings products
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Usercentrics (cookie consent), Genesys (customer messaging/chat), SVG graphics
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in
  • No exposed sensitive data in HTML
  • Use of secure third-party services for analytics and chat

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
Usercentrics cookie consent, Genesys messaging platform
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with rich content.
  2. Strong presence of insurance product offerings tailored for Latvian market.
  3. Good privacy and cookie compliance with Usercentrics integration.
  4. Use of modern tracking and customer engagement tools.
  5. No critical security issues detected in HTML content.
  6. Contact information is clearly presented with multiple channels.
  7. No explicit security policy or incident response info found.
  8. No vulnerability disclosure or security.txt present.
Technical notes

Notes

The website uses a modern JavaScript-based front end with SVG graphics for icons and logos, ensuring scalability and visual clarity. Google Tag Manager is integrated for analytics and marketing tracking, while Usercentrics manages cookie consent, reflecting compliance with privacy regulations. The Genesys platform provides real-time customer messaging capabilities, enhancing user engagement. Performance is moderate, with room for optimization in loading speed and accessibility. No CMS or hosting provider details are explicitly detected, suggesting a custom or proprietary platform. The site is mobile-optimized with responsive design elements and clear navigation structures.
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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