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Security report for kbpojistovna.cz

KB Pojišťovna · Finance · Czech Republic

Medium risk. 8 critical or high findings in GDPR outside view, Email security and 2 other checks.

Security score

63/100

Risk levelMedium

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

KB Pojišťovna is a Czech Republic-based insurance company offering a broad range of life and non-life insurance products including property, travel, liability, and investment-linked insurance. The website presents a professional and consistent brand image targeting individuals and families seeking insurance solutions. The company maintains a strong digital presence with clear contact information and social media channels, enhancing customer engagement and trust. Technically, the website is built on modern frameworks including Kentico CMS and React, with integrated analytics and accessibility tools, ensuring a good user experience and compliance with privacy regulations. Security posture is solid with HTTPS enforcement and cookie consent mechanisms, though explicit security policies and incident response details are absent, representing an area for improvement. The absence of WHOIS data limits domain legitimacy verification, but the overall business credibility and digital maturity suggest a trustworthy entity. Strategic recommendations include publishing security policies, enhancing security headers, and providing vulnerability disclosure information to further strengthen trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

8 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 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. 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.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  3. 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 kbpojistovna.cz

This scan found 23 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

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Full report

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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
72
Security headers
65
Email security
40
DNS health
75
Network security
100
GDPR outside view
25
Average
63

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

KB Pojišťovna operates in the finance sector as an essential entity providing insurance products in the Czech market. The company leverages digital channels effectively, offering online insurance services and claim reporting. Its partnership with Komerční banka (implied by domain and branding) positions it well within the banking and insurance ecosystem. The business model focuses on direct-to-consumer insurance sales with additional services such as investment funds. The company targets a broad customer base including families and travelers, supported by a comprehensive product portfolio. Growth indicators include active online marketing, social media engagement, and digital self-service tools. The partnership ecosystem includes Komerční banka and related insurance platforms. The company demonstrates a mature operational presence with room for enhanced transparency in security and compliance documentation.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS encryption and cookie consent mechanisms aligned with GDPR requirements. However, the lack of visible security headers such as Content-Security-Policy and absence of published security or incident response policies indicate gaps in transparency and defense-in-depth strategies. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of third-party analytics and tracking pixels is balanced with privacy compliance. Incident response readiness and vulnerability disclosure mechanisms are not publicly documented, which could impact customer trust and regulatory compliance. Overall, the security posture is good but could be improved by formalizing and publishing security policies and enhancing HTTP security headers.

Recommendations

  1. Publish a detailed security policy and incident response plan accessible on the website.
  2. Implement and enforce HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection.
  3. Create and maintain a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Provide clear contact information for the Data Protection Officer or privacy contact to enhance GDPR compliance transparency.
  5. Regularly audit and update third-party scripts and tracking tools to minimize security risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
KB Pojišťovna
Description
Životní a neživotní pojištění s maximální ochranou v nečekaných nepříjemných životních situacích. Výhodné životní a neživotní pojištění od KB.
Key services
Life insurance, Non-life insurance, Travel insurance, Property insurance, Liability insurance, Investment linked insurance
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Matomo Analytics, Facebook Pixel, UserWay Accessibility Widget
Frameworks
Kentico CMS
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Matomo, Facebook Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel, Matomo
Marketing tools
Matomo Tag Manager, Facebook Pixel
Transparency
good

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. No WHOIS data available, which is unusual for a commercial domain
  3. Strong presence of privacy and cookie policies with consent mechanisms
  4. Multiple contact points and social media presence
  5. Use of modern web technologies and CMS
  6. No visible security policy or incident response info
  7. No explicit terms of service found
  8. Good SEO and accessibility features
  9. No suspicious or malicious content detected
Technical notes

Notes

The website is built using Kentico CMS with React-based front-end components, leveraging modern web fonts and responsive design techniques. It integrates Matomo and Facebook Pixel for analytics and marketing, and includes an accessibility widget from UserWay. The site uses multiple JavaScript bundles for modular loading and lazy loading for images to optimize performance. SEO is supported by canonical links, meta descriptions, and structured navigation. The site is mobile-optimized with good accessibility features such as ARIA labels and keyboard navigation support. Performance is moderate, with potential improvements in script bundling and caching. Hosting provider details are not explicitly identified. Overall, the technical infrastructure supports a professional and user-friendly insurance website.
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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