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Is naic.org a Scam? Security Check Results - National Association of Insurance Commissioners (NAIC)

naic.org Security Report Summary

naic.org received a security score of 67 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers National Association of Insurance Commissioners (NAIC)'s website security posture. National Association of Insurance Commissioners (NAIC) operates in the Government industry in United States.

The National Association of Insurance Commissioners (NAIC) operates as the primary U.S. standard-setting and regulatory support organization for insurance commissioners across all 50 states, the District of Columbia, and five U.S. territories. The organization provides a comprehensive suite of services including regulatory tools, education and training, data analytics, consumer resources, and compliance support. The website reflects a mature digital presence with extensive content tailored to regulators, industry participants, and consumers, positioning NAIC as a trusted authority in insurance regulation. Technically, the website is built on Drupal 11, leveraging modern web technologies such as Google Tag Manager, Google Analytics, Microsoft Clarity, and Cloudflare Bot Management. The site is well-optimized for performance, mobile responsiveness, and accessibility, with a strong emphasis on privacy compliance demonstrated by a comprehensive cookie consent mechanism and GDPR-aligned privacy policies. From a security perspective, the site enforces HTTPS, employs security headers, and integrates bot management services, indicating a robust security posture. No critical vulnerabilities or exposed sensitive data were detected. However, there is room for improvement in enforcing Content-Security-Policy headers and publishing explicit security policies or vulnerability disclosure channels. Overall, the NAIC website presents a low-risk profile with high trustworthiness, professional content, and strong compliance adherence. Strategic recommendations include enhancing security header policies, formalizing incident response disclosures, and continuous monitoring of third-party scripts to maintain security integrity.

The security scan identified 32 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: Drupal 11, Google Tag Manager, Google Analytics, Microsoft Clarity, Cloudflare Bot Management, Amazon Web Services (load balancing), CookieYes Consent Management, Google Translate.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and business-context intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is naic.org Safe? Security Analysis for National Association of Insurance Commissioners (NAIC)

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GovernmentUnited Stateslarge
Drupal 11Google Tag ManagerGoogle AnalyticsMicrosoft ClarityCloudflare Bot Management+3 more
Analyzed Completed
67
Security Score
MEDIUM RISK

Below Government avg (70)

GDPR-aligned

Data handling

EU

Hosting region

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AI Summary

The National Association of Insurance Commissioners (NAIC) operates as the primary U.S. standard-setting and regulatory support organization for insurance commissioners across all 50 states, the District of Columbia, and five U.S. territories. The organization provides a comprehensive suite of services including regulatory tools, education and training, data analytics, consumer resources, and compliance support. The website reflects a mature digital presence with extensive content tailored to regulators, industry participants, and consumers, positioning NAIC as a trusted authority in insurance regulation. Technically, the website is built on Drupal 11, leveraging modern web technologies such as Google Tag Manager, Google Analytics, Microsoft Clarity, and Cloudflare Bot Management. The site is well-optimized for performance, mobile responsiveness, and accessibility, with a strong emphasis on privacy compliance demonstrated by a comprehensive cookie consent mechanism and GDPR-aligned privacy policies. From a security perspective, the site enforces HTTPS, employs security headers, and integrates bot management services, indicating a robust security posture. No critical vulnerabilities or exposed sensitive data were detected. However, there is room for improvement in enforcing Content-Security-Policy headers and publishing explicit security policies or vulnerability disclosure channels. Overall, the NAIC website presents a low-risk profile with high trustworthiness, professional content, and strong compliance adherence. Strategic recommendations include enhancing security header policies, formalizing incident response disclosures, and continuous monitoring of third-party scripts to maintain security integrity.

Detected Technologies

Drupal 11Google Tag ManagerGoogle AnalyticsMicrosoft ClarityCloudflare Bot ManagementAmazon Web Services (load balancing)CookieYes Consent ManagementGoogle Translate

6 urgent findings need attention

6 high

Continuous monitoring

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Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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OffSeq Observations

No critical findings yet

87/100

DNS Health

4 findings

75/100

SSL/TLS Security

6 findings

47/100

Email Security

5 findings

75/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

NAIC holds a dominant position as a government-related regulatory body in the insurance sector, serving a broad audience including state regulators, insurance industry stakeholders, and consumers. Its business model focuses on providing regulatory standards, data services, educational programs, and consumer protection tools. The organization benefits from partnerships with specialized service providers such as NIPR and Insurance Compact, enhancing its service ecosystem. The website's extensive resource offerings and clear navigation support its mission and indicate a well-established operational framework with significant market influence.

Extracted Contact Information

Marketing Intelligence Data

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with enforced HTTPS, use of Cloudflare Bot Management, and implementation of security headers. Cookie consent management aligns with privacy regulations, and no sensitive data leakage was observed. The absence of a published security policy or incident response contact is a minor gap. The site would benefit from enabling a strict Content-Security-Policy and publishing a security.txt file to facilitate vulnerability disclosures. Overall, the security measures are appropriate for a government-affiliated organization, minimizing risk exposure.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and enforce a strict Content-Security-Policy header to mitigate cross-site scripting and related attacks.

Observations

Comprehensive website and business-context analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

National Association of Insurance Commissioners (NAIC)

Description:

The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia, and five U.S. territories.

Key Services:
Regulatory supportEducation and trainingData and analyticsConsumer resourcesIndustry filings and compliance tools
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
Drupal 11Google Tag ManagerGoogle AnalyticsMicrosoft ClarityCloudflare Bot ManagementAmazon Web Services (load balancing)CookieYes Consent ManagementGoogle Translate
Frameworks:
Drupal CMS
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
90/100
Best Practices:
  • HTTPS enforced
  • Cookie consent banner implemented
  • Use of Cloudflare Bot Management
  • No exposed sensitive data detected
  • Secure forms with proper labels

Analytics & Tracking

Services:
Google AnalyticsMicrosoft Clarity
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
Google AdManager
Tracking Pixels:
Microsoft ClarityAltmetric
Marketing Tools:
Privy Widget
Transparency Level:good

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is fully accessible with rich content

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

50/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=300"

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

53/100
Score

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

47/100
Score

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

75/100
Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

Strict DMARC Alignment

LOW

Strict alignment may cause legitimate emails to fail

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 mx ip4:149.72.231.47 ip4:149.72.196.66 ip4:3.220.111.113 ip4:44.205.169.254 ip4:8.33.1.191 exists:%{i}.spf.hc4343-23.iphmx.com include:okta.naic.org include:okta.ua.naic.org include:spf.mailjet.com include:spf.protection.outlook.com ~all
DNS Lookups:6/10
Policy:~all
DKIM Selectors Found
Selector:selector1(1296-bit rsa)
DMARC Details
Policy:none
Subdomain Policy:none
Aggregate Reports:[email protected]
Forensic Reports:[email protected]

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

47/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 34 days

HSTS Not Enabled

MEDIUM

HTTP Strict Transport Security (HSTS) is not configured

Mixed Content Detected

MEDIUM

2 resources loaded over insecure HTTP

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

75/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

Domain Registration Details

Domain Age
31 years(mature)
Expiry Risk
none(485 days)
Protection Level
basicDNSSEC OFF

DNS Records

A Records:98.94.210.67, 100.55.199.49
Name Servers:
ns1.naic.org
ns2.naic.org
ns3.naic.org
MX Records:
30: naic-org.mail.protection.outlook.com
SOA:Serial: 2026061101, TTL: 60s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:141ms

SPF Analysis

SPF Record:
v=spf1 mx ip4:149.72.231.47 ip4:149.72.196.66 ip4:3.220.111.113 ip4:44.205.169.254 ip4:8.33.1.191 exists:%{i}.spf.hc4343-23.iphmx.com include:okta.naic.org include:okta.ua.naic.org include:spf.mailjet.com include:spf.protection.outlook.com ~all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does naic.org compare?

See how naic.org stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is powered by Drupal 11, indicating a modern and supported CMS platform. Integration with Google Tag Manager, Google Analytics, Microsoft Clarity, and Cloudflare services reflects a sophisticated analytics and security infrastructure. The site uses AWS for load balancing and Cloudflare for bot management, enhancing performance and security. The presence of responsive design, accessibility features, and SEO best practices contribute to a high-quality user experience. Technical debt appears minimal, with opportunities to improve security headers and formalize security documentation.
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Optional add-ons

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Your order

Full Report
PDF · email delivery · lifetime access
39.90
Total
Incl. 21% VAT
39.90
Already purchased? Enter unlock code
VisaMastercardApple PayGoogle Payvia EveryPay
SEQ SIA
Reg. No. 40203410806 · VAT LV40203410806

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