Skip to main content

Security report for kpas.sk

KOMUNÁLNA poisťovňa, a.s. Vienna Insurance Group · Finance · Slovakia

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

60/100

Risk levelMedium

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

KOMUNÁLNA poisťovňa, a.s. Vienna Insurance Group is a Slovak insurance company primarily serving municipalities, businesses, and individual clients with a broad portfolio including life, accident, property, and liability insurance. As part of the Vienna Insurance Group, it holds a solid market position in the regional finance sector. The website reflects a professional digital presence with clear navigation, comprehensive product information, and integration of modern tracking and consent mechanisms. Technically, the site uses a mix of jQuery, Bootstrap, and custom HSCore framework components, hosted on a CMS platform by Lomtec.com, with good mobile optimization and accessibility features. Security posture is adequate with HTTPS enforced and cookie consent implemented, though lacking explicit security headers and incident response contacts. Overall, the domain registration and WHOIS data align well with the business claims, supporting legitimacy and trustworthiness.

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

6 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. 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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • 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 kpas.sk

This scan found 27 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. See sample alerts.

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
62
Security headers
35
Email security
60
DNS health
65
Network security
100
GDPR outside view
40
Average
60

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

The company targets a diverse customer base including municipalities, small and medium businesses, and individual consumers, offering tailored insurance products. Its affiliation with Vienna Insurance Group provides competitive advantages and brand trust. The business model focuses on insurance product sales and claims management, supported by online tools such as calculators and client portals. Partnerships with domains like koop.sk and webcalc.koop.sk indicate a robust ecosystem for online insurance services and payments. The website content and structure suggest a medium-sized enterprise with a focus on regional market penetration and digital customer engagement.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enabled and cookie consent mechanisms in place, reflecting GDPR compliance. However, the absence of security headers such as Content-Security-Policy and lack of published security policies or incident response contacts indicate areas for improvement. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of third-party analytics and tag management is managed with user consent, but continuous monitoring of third-party scripts is recommended. Overall, the security posture is adequate for the business type but could be enhanced to meet higher standards and regulatory requirements.

Recommendations

  1. Implement standard security headers (CSP, X-Frame-Options, X-Content-Type-Options) to mitigate common web attacks.
  2. Publish a dedicated security policy and provide clear incident response contact channels to improve transparency and readiness.
  3. Regularly audit and update third-party scripts and libraries to avoid vulnerabilities.
  4. Enhance contact information visibility by including verified company phone numbers and emails for customer support.
  5. Continue improving accessibility and mobile optimization to maintain high user experience standards.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
KOMUNÁLNA poisťovňa, a.s. Vienna Insurance Group
Description
Komunálna poisťovňa poskytuje svoje služby najmä komunálnej sfére, ale zabezpečuje tiež poistnú ochranu mestám, obciam a podnikateľským subjektom. Vo svojej širokej ponuke poskytuje aj zabezpečenie pre občanov podľa ich individuálnych potrieb a požiadaviek. Jej hlavným poslaním je poskytovať klientom kvalitné poistné produkty a služby v oblastiach životného, úrazového, majetkového a zodpovednostného poistenia, ale tiež v oblasti poistení podnikateľov a priemyslu.
Key services
life insurance, accident insurance, property insurance, liability insurance, business and industrial insurance
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Bootstrap, Google Tag Manager, Google Analytics, FontAwesome
Frameworks
HSCore (custom or third-party UI framework)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

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

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

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-structured
  2. Comprehensive insurance product offerings targeting municipalities, businesses, and individuals
  3. Strong branding as part of Vienna Insurance Group
  4. Cookie consent and privacy policies are implemented and accessible
  5. No direct contact emails or phone numbers explicitly found in the HTML content; contact is via forms and dedicated pages
  6. Use of Google Analytics and Tag Manager for tracking with user consent
  7. No visible security policy or incident response contact information
  8. No security headers detected in the HTML content
  9. No suspicious or malicious content detected
Technical notes

Notes

The website is built on a CMS platform (ActiveWeb by Lomtec.com) using modern front-end technologies including jQuery, Bootstrap, and a custom HSCore framework. It integrates Google Analytics and Tag Manager for tracking with proper cookie consent. The site is mobile responsive and includes accessibility features such as skip links and ARIA attributes. Performance is moderate with some asynchronous loading of styles and scripts. The technical infrastructure supports a professional and user-friendly experience but could benefit from enhanced security configurations and performance optimizations.
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 kpas.sk. 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 kpas.sk.

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.