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Security report for nationwide.com

Nationwide Mutual Insurance Company · Finance · United States

Medium risk. 5 critical or high findings in Security headers and GDPR outside view.

Security score

63/100

Risk levelMedium

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

Nationwide Mutual Insurance Company operates a comprehensive and professionally designed website offering a wide range of insurance and financial services including auto, home, life, pet, business insurance, and investment products. The company is a Fortune 100 enterprise with a strong market position in the finance sector, targeting individuals, families, and businesses. The website demonstrates consistent branding and high content quality, supporting a positive user experience and clear navigation. Technically, the site uses modern JavaScript libraries, a proprietary design system (Bolt), and integrates multiple analytics and marketing tools, hosted primarily via Akamai CDN services. However, the SSL certificate is invalid or missing, significantly impacting the security posture. Security headers are well implemented, but the lack of valid HTTPS undermines trust and security. Privacy and cookie policies are present and indicate GDPR compliance, with clear contact phone numbers and social media presence enhancing business credibility. Overall, the site is highly professional but requires urgent remediation of SSL issues to improve security and user trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
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

5 findings rated critical or high. Fix these first.

  1. 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';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

      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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube, Google APIs

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

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

Keep watching nationwide.com

This scan found 13 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
50
Security headers
70
Email security
50
DNS health
85
Network security
100
GDPR outside view
25
Average
63

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

Nationwide is positioned as a leading insurance and financial services provider with a diversified product portfolio and a broad customer base including personal and business clients. The business model combines direct consumer engagement with agent partnerships and financial professional networks. The website reflects a mature digital presence with extensive content, resources, and tools to support customer acquisition and retention. Partnerships with specialized insurance providers and financial entities are evident, enhancing service offerings. The company leverages advanced analytics and marketing technologies to optimize user engagement and conversion. The presence of multiple social media channels and trust seals further supports brand reputation and customer confidence.

Security posture

The website exhibits a moderate security maturity level with strong HTTP security headers and cookie protections. However, the absence of a valid SSL certificate and disabled TLS protocols represent critical vulnerabilities that expose users to potential interception and undermine encrypted communications. No evidence of incident response or vulnerability disclosure policies was found, indicating potential gaps in security governance. The site uses secure cookie flags and modern security headers but must urgently address SSL/TLS configuration to meet industry best practices and compliance requirements.

Recommendations

  1. Immediately obtain and deploy a valid SSL/TLS certificate to enable HTTPS with TLS 1.2 or higher.
  2. Implement OCSP stapling and enable session resumption to improve SSL performance and security.
  3. Publish and link a formal security policy and vulnerability disclosure program to enhance transparency.
  4. Regularly audit and update security headers and cookie policies to maintain compliance and protection.
  5. Enhance incident response readiness by providing dedicated security contact channels and documentation.
Technical notes

Notes

The website is hosted on Apache servers behind Akamai CDN, utilizing a modern JavaScript stack including Typed.js, Axios, Google reCAPTCHA, and a proprietary Bolt design system. It integrates New Relic for performance monitoring and Google Tag Manager for analytics and marketing. The site is mobile optimized with responsive design and accessibility features. Performance data was not available, but the use of CDNs and modern libraries suggests moderate to good loading speeds. The CMS is not explicitly identified. Technical debt appears low, but SSL misconfiguration poses a significant risk to operational security and user trust.
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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