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Security report for kooperativa.sk

Kooperativa poisťovňa · Finance · Slovakia

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

Security score

56/100

Risk levelMedium

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

Kooperativa poisťovňa is a well-established insurance company operating in Slovakia, providing comprehensive life and property insurance services for over 30 years. The website reflects a professional and consistent brand presence with a focus on corporate insurance offerings. The technical infrastructure uses modern web technologies such as Bootstrap 5 and responsive design, ensuring good mobile optimization and user experience. However, the website lacks visible privacy and cookie policies, contact information, and security headers, which are critical for compliance and trust. The domain registration data is consistent with the business claims, showing a long-standing and legitimate presence. Overall, the website is functional and professional but requires improvements in security posture and privacy compliance 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

  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. 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

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

  4. 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 kooperativa.sk

This scan found 17 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.

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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
0
Security headers
70
Email security
40
DNS health
85
Network security
100
GDPR outside view
40
Average
56

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 kooperativa.sk, from OffSeq Breach.

Total records
2
Employees
0
Customers
2
Third parties
0
Weak passwords
0%

2 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for kooperativa.sk.

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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 holds a strong market position in the Slovak insurance sector with a business model centered on providing insurance products for life and property. The company targets a general audience including individuals and businesses seeking insurance coverage. The website content and metadata emphasize the company's experience and comprehensive service offerings. There is no evidence of partnerships or subsidiaries from the provided data. The business model appears traditional insurance with digital presence primarily for information and customer engagement. Growth indicators and revenue streams are not directly visible from the website content.

Security posture

The current security posture of the website is basic with no detected security headers or explicit security policies. HTTPS usage is assumed but not confirmed from the provided data. There is no visible incident response or vulnerability disclosure information, which limits the company's readiness to handle security incidents transparently. The absence of privacy and cookie policies indicates potential compliance gaps with GDPR and other data protection regulations. No vulnerable libraries or exposed sensitive data were detected in the HTML snippet. The website would benefit from implementing security best practices including security headers, clear privacy notices, and incident response contacts.

Recommendations

  1. Implement and display a comprehensive privacy policy and cookie policy with consent mechanisms to ensure GDPR compliance.
  2. Add security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance security posture.
  3. Provide clear contact information including emails and phone numbers for customer support and security incident reporting.
  4. Establish and publish a vulnerability disclosure policy or security.txt file to improve transparency and security culture.
  5. Regularly audit and update technical infrastructure to maintain performance, accessibility, and 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, responsive design
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

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
high

Key observations

  1. Website is professionally designed with consistent branding.
  2. No visible privacy, cookie, or terms of service policies found in the HTML content.
  3. No contact emails or phone numbers explicitly found in the provided content.
  4. No security or incident response policies visible.
  5. WHOIS data confirms long-term domain registration and stable status.
  6. No analytics or tracking scripts detected in the provided HTML snippet.
  7. No forms detected in the provided HTML content.
  8. External resources are loaded from a CDN under koop.sk and name servers include ns1.orange.sk.
Technical notes

Notes

The website uses Bootstrap 5.3.3 framework and modern web fonts loaded via CDN, indicating a contemporary front-end technology stack. The site is responsive and optimized for mobile devices with good SEO meta tags including Open Graph data. However, there is no evidence of a CMS or backend technology from the HTML snippet. Performance is moderate based on resource loading from a CDN. Accessibility features are basic but present. The lack of visible analytics or tracking scripts suggests minimal user tracking. Technical debt appears low but the absence of security headers and privacy compliance features indicates areas for modernization and risk mitigation.
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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