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Security report for libertymutualgroup.com

Liberty Mutual Insurance Company · Finance · United States

Medium risk. 3 critical or high findings in GDPR outside view and DNS health.

Security score

70/100

Risk levelMedium

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

Liberty Mutual Insurance Company operates as a leading global property and casualty insurer, offering a broad range of insurance products and services to individuals and businesses. Positioned as the 8th largest insurer globally by gross written premium, the company emphasizes security and resilience for its customers. The website provides comprehensive corporate information, career opportunities, investor relations, and sustainability initiatives, reflecting a mature and professional digital presence. Technically, the site is built on Drupal 10 with PHP 8.3.21, leveraging modern analytics and marketing tools such as Adobe Launch, Qualtrics, and Tealium, and is hosted via Akamai CDN for performance and reliability. Security posture is strong with HTTPS, valid SSL certificates, and multiple security headers, though improvements are recommended in HSTS enforcement and cookie consent mechanisms. Privacy policies are comprehensive and GDPR compliant, but incident response and vulnerability disclosure information are not explicitly provided. Overall, the website demonstrates high professionalism, trustworthiness, and technical maturity, supporting Liberty Mutual's market position and business objectives.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 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

3 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.

    • 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. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • High

      Unregistered MX Record

      MX record points to unregistered domain: lm-virus-01.lmig.com

      What to do: Remove or fix MX record pointing to unregistered domain

      • RFC 5321 §5.1
      • NIS2 21(2)(i)
      • IR 2024/2690 12.4: Implementing Regulation (EU) 2024/2690, Annex point 12.4: Asset inventory
      • NIST CM-8: NIST SP 800-53 Rev. 5 CM-8: System Component Inventory

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

Keep watching libertymutualgroup.com

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
82
Security headers
75
Email security
50
DNS health
70
Network security
100
GDPR outside view
43
Average
70

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

Liberty Mutual's market positioning as a top global insurer is supported by its extensive product offerings in auto, property, casualty, commercial auto, and risk coverage. The company targets both individual consumers and commercial clients, emphasizing resilience and security. The website's content highlights corporate values, innovation ventures, and sustainability efforts, indicating a strategic focus on long-term growth and social responsibility. Partnerships with entities like Liberty Mutual Strategic Ventures and Solaria Labs suggest active engagement in innovation and technology. The business model is insurance-centric with diversified revenue streams from various insurance lines. The digital presence is well-structured, supporting investor relations and career recruitment, which are critical for corporate growth and talent acquisition.

Security posture

The website employs HTTPS with a valid Entrust OV TLS certificate and enforces multiple security headers including Content Security Policy, X-Frame-Options, X-Content-Type-Options, and X-XSS-Protection, indicating a strong baseline security posture. However, HSTS is not fully enabled with missing includeSubDomains and preload flags, which could be improved to prevent protocol downgrade attacks. The Content Security Policy allows 'unsafe-inline' and 'unsafe-eval' scripts, which may introduce risks and should be reviewed. No vulnerabilities or exposed sensitive data were detected. The absence of explicit incident response contacts and vulnerability disclosure policies represents a gap in security transparency and readiness. Overall, the security posture is good but can be enhanced by addressing these areas.

Recommendations

  1. Enable HSTS with includeSubDomains and preload to strengthen HTTPS enforcement.
  2. Review and tighten Content Security Policy to eliminate 'unsafe-inline' and 'unsafe-eval' directives.
  3. Implement a cookie consent mechanism to comply with GDPR and enhance user privacy transparency.
  4. Publish explicit incident response and vulnerability disclosure information to improve security transparency and trust.
  5. Regularly audit third-party scripts and tracking tools to minimize privacy risks and ensure compliance.

Contact details published on the site

Addresses
Legal name
Liberty Mutual Insurance Company
Technical notes

Notes

The website is built on a modern technology stack featuring Drupal 10 CMS and PHP 8.3.21, ensuring up-to-date platform support and security. Hosting via Akamai CDN provides robust content delivery and performance optimization. The site uses multiple third-party services for analytics (New Relic, Tealium), marketing (Adobe Launch, Qualtrics), and social media integration. Performance is fast with good mobile optimization and accessibility features. SEO is well implemented with proper meta tags and structured navigation. The technical infrastructure supports a professional and scalable digital presence, though some technical debt exists in the CSP configuration and lack of cookie consent mechanisms.
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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