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Security report for nationwideexcessandsurplus.com

Nationwide Mutual Insurance Company · Finance · United States

Medium risk. 4 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 Excess & Surplus and Specialty Insurance operates as a division of Nationwide Mutual Insurance Company, providing specialized insurance products across various sectors including Property and Casualty, Management Lines, and Personal Lines. The website reflects a mature enterprise-level insurance provider with a strong brand presence and a focus on serving wholesale brokers and insurance professionals. The site content is professionally presented with clear navigation and relevant business information, targeting clients seeking specialty insurance solutions. Technically, the website employs modern JavaScript libraries and monitoring tools such as New Relic and Akamai mPulse, indicating active performance and user experience management. The use of the Bolt Design System and SDL Tridion CMS suggests a structured and scalable content management approach. However, the site suffers from a critical security issue due to the absence of a valid SSL certificate, which undermines the security posture and user trust. Security headers are implemented, but their effectiveness is limited without proper HTTPS. Privacy compliance is partially addressed with a comprehensive privacy policy and terms of service, though no cookie consent mechanism is detected. Social media integration is robust, linking to official Nationwide accounts, enhancing trust and engagement. Overall, the site is functional and professional but requires urgent remediation of SSL issues to ensure secure communications and improve its security rating. Enhancements in cookie consent and explicit contact information would further strengthen privacy compliance and user trust.

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

4 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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • 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 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

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

Keep watching nationwideexcessandsurplus.com

This scan found 15 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
50
Security headers
50
Email security
50
DNS health
85
Network security
100
GDPR outside view
43
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 E&S and Specialty Insurance is positioned as a specialized division within a large mutual insurance company, focusing on excess and surplus lines and specialty insurance products. Its business model revolves around providing tailored insurance solutions to wholesale brokers and businesses with complex risk profiles. The company leverages its mutual status to make long-term decisions benefiting customers. The website content and linked resources indicate a strong partnership ecosystem and a commitment to industry insights and education. The presence of multiple subsidiary insurers underlines a diversified product offering. The company targets insurance professionals and brokers, emphasizing expertise and specialized coverage. Growth indicators include active content updates and integration with partner portals. The strategic use of CDN and monitoring tools reflects a focus on reliability and performance.

Security posture

The website's security posture is currently weak due to the lack of a valid SSL certificate, resulting in no HTTPS encryption for users. While security headers such as Strict-Transport-Security, X-Content-Type-Options, and X-XSS-Protection are present, their benefits are negated by the invalid SSL configuration. No critical vulnerabilities like Heartbleed or POODLE are detected, but the absence of TLS protocols and strong cipher suites is a significant risk. No incident response or security policy information is publicly available, and no vulnerability disclosure or security.txt file is found. The site does not implement cookie consent mechanisms, which may impact privacy compliance. Overall, the site requires immediate SSL remediation and enhanced transparency on security policies to improve its security maturity and user trust.

Recommendations

  1. Obtain and properly configure a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Enable modern TLS protocols (TLS 1.2 and TLS 1.3) and configure strong cipher suites to enhance encryption strength.
  3. Implement a cookie consent banner or mechanism to comply with privacy regulations and improve user transparency.
  4. Publish a clear security policy and incident response contact information to demonstrate security governance and readiness.
  5. Add explicit contact information including company emails and phone numbers on the website to improve user trust and accessibility.

Contact details published on the site

Addresses
Legal name
Nationwide Mutual Insurance Company
Technical notes

Notes

The website is built using a modern technology stack including Bolt Web Components, Axios for HTTP requests, Typed.js for UI effects, and Google reCAPTCHA for bot protection. It uses SDL Tridion CMS as inferred from TCM IDs in the HTML comments, and is hosted behind Akamai CDN, providing performance and security benefits. New Relic Browser and Akamai mPulse are used for performance monitoring and analytics. The site is mobile optimized with responsive design and basic accessibility features. However, the invalid SSL certificate is a critical technical debt that impacts security and SEO. Performance metrics are not available from the provided data, but the use of CDN and monitoring tools suggests moderate to good performance. The site lacks explicit cookie consent and some accessibility features could be improved.
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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