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Security report for koop.sk

Kooperativa poisťovňa · Finance · Slovakia

Medium risk. 7 critical or high findings in GDPR outside view, Email security and 2 other checks.

Security score

67/100

Risk levelMedium

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

Kooperativa poisťovňa is a well-established insurance company based in Slovakia, providing comprehensive life and property insurance services for over 30 years. The website reflects a professional and consistent brand image targeting a general audience seeking insurance products. The technical infrastructure uses modern web technologies such as Bootstrap and optimized font loading, indicating a moderate level of digital maturity. Mobile optimization and SEO practices are adequately implemented, though accessibility features are basic. Security posture is moderate with HTTPS likely enabled but lacking visible security headers and explicit security policies. Privacy and cookie policies are not found in the provided content, indicating potential compliance gaps. Overall, the domain registration is consistent and legitimate, supporting the company's credibility. Strategic improvements in privacy compliance, security best practices, and contact transparency are recommended to enhance trust and regulatory adherence.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 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

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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

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

  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 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';…

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

Keep watching koop.sk

This scan found 20 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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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
77
Security headers
70
Email security
40
DNS health
75
Network security
100
GDPR outside view
40
Average
67

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

Kooperativa poisťovňa operates in the finance sector as an insurance provider with a large market presence in Slovakia. The company offers key services including life and property insurance with a business model focused on comprehensive insurance coverage. The website content and metadata emphasize over 30 years of experience, positioning the company as established and trustworthy. The lack of visible contact information and privacy policies suggests areas for improvement in customer engagement and compliance. No partnerships or subsidiaries were identified from the provided data. The company appears to maintain a consistent branding strategy and targets a broad customer base in the Slovak market.

Security posture

The website demonstrates a basic security posture with HTTPS presumed but no explicit security headers detected in the provided content. There is no evidence of vulnerability disclosure mechanisms or incident response contacts. The absence of privacy and cookie policies indicates potential GDPR compliance issues. No exposed sensitive data or vulnerable libraries were identified, but the lack of security best practices such as CSP or X-Frame-Options headers reduces the overall security score. The domain WHOIS data is consistent and trustworthy, supporting legitimacy. Enhancing security headers, publishing privacy and cookie policies, and establishing incident response contacts would significantly improve the security maturity and compliance posture.

Recommendations

  1. Publish comprehensive privacy and cookie policies with clear GDPR compliance statements.
  2. Implement and configure security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Add visible contact information including emails and phone numbers for customer support and incident reporting.
  4. Establish a vulnerability disclosure policy or security.txt file to improve transparency and security culture.
  5. Conduct regular security audits and update technical infrastructure to maintain modern security standards.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Kooperativa poisťovňa
Description
Poisťovňa KOOPERATIVA už viac ako 30 rokov poskytuje komplexné poistné krytie života a majetku. KOOPERATIVA – Na celý život.
Key services
life insurance, property insurance, comprehensive insurance coverage
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap 5.3.3, woff2 fonts, CSS variables, HTML5
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
50/100

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is professionally designed and well-branded for an insurance company.
  2. No visible privacy, cookie, or terms of service policies found in the provided HTML content.
  3. No contact emails or phone numbers explicitly found in the provided content.
  4. No security or incident response policies visible.
  5. No vulnerability disclosure or security.txt found.
  6. WHOIS data confirms domain is stable and legitimate.
  7. No adult or questionable content detected.
  8. No WAF or blocking mechanisms detected.
Technical notes

Notes

The website uses Bootstrap 5.3.3 framework and modern web font loading techniques, indicating a contemporary front-end technology stack. The site is mobile optimized with responsive design and good SEO meta tags. However, no CMS or hosting provider information was detected. Performance is moderate with potential for improvement in accessibility features. The absence of security headers and privacy compliance elements suggests technical debt in security and compliance areas. Overall, the technical implementation supports a professional user experience but requires enhancements in security and privacy to align with best practices.
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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