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Security report for paddioinsurance.com

Paddio Insurance · Other · United States

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

Security score

57/100

Risk levelMedium

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

Paddio Insurance is a small insurance agency operating primarily in the United States, offering a broad range of insurance products including home, auto, renters, and specialty insurance lines. The company partners with major insurance carriers and provides customers with competitive quotes and personalized service. Their website reflects a professional and consistent brand image, targeting individuals and families seeking insurance coverage. The business model relies on partnerships and referral programs to expand its market reach. Technically, the website is built on a traditional stack using nginx, Bootstrap 3, jQuery, and integrates third-party marketing and analytics tools such as Google Analytics and Marketo Munchkin. Hosting is on AWS infrastructure. While the site is mobile responsive and SEO optimized with structured data, performance metrics are missing, and some accessibility features are basic. The site uses embedded forms for lead capture but lacks modern CMS indications. From a security perspective, the website has significant weaknesses. It lacks a valid SSL certificate and does not serve content over HTTPS, exposing users to potential interception risks. Security headers are minimal or absent, and no advanced SSL features like HSTS or OCSP stapling are enabled. Privacy compliance is partial, with a privacy policy and terms of use present but no cookie consent mechanism or GDPR compliance indicators. Contact information is clearly provided, but no incident response or security policy details are available. Overall, the website is functional and professional but requires urgent improvements in security posture, especially enabling HTTPS and implementing security headers. Privacy compliance should be enhanced with cookie policies and consent mechanisms. These steps will improve user trust, regulatory compliance, and reduce risk exposure.

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

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 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 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 paddioinsurance.com

This scan found 18 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.

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Full report

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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
50
Security headers
15
Email security
50
DNS health
85
Network security
100
GDPR outside view
43
Average
57

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

Paddio Insurance positions itself as a trusted insurance agency with a comprehensive portfolio of insurance products targeting a broad consumer base in the US. Its competitive advantage lies in partnerships with well-known insurance carriers and a referral affiliate program with PolicyGenius. The business model focuses on personalized service and leveraging digital channels for lead generation. The company appears to be small but licensed nationwide, indicating ambitions for broad market coverage. The use of third-party platforms like EZLynx for website development suggests reliance on specialized insurance technology providers. Growth indicators include multi-state licensing and diverse insurance offerings. Strategic partnerships enhance credibility and market reach.

Security posture

The current security posture is weak due to the absence of HTTPS and a valid SSL certificate, which is a critical vulnerability exposing users to data interception and undermining trust. The lack of security headers and modern SSL features further weakens the defense against common web attacks. No explicit security or incident response policies are published, indicating limited transparency and preparedness. Privacy compliance is incomplete, lacking cookie consent mechanisms and GDPR indicators. While no active vulnerabilities or malware are detected, the foundational security controls are insufficient for a professional insurance service handling sensitive customer data. Immediate remediation is necessary to meet industry standards and regulatory requirements.

Recommendations

  1. Obtain and deploy a valid SSL/TLS certificate to enable HTTPS across the entire site immediately.
  2. Implement HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to mitigate common web vulnerabilities.
  3. Add a comprehensive cookie policy and implement a user consent mechanism to comply with privacy regulations.
  4. Publish clear security and incident response policies to enhance transparency and preparedness.
  5. Regularly audit and update all third-party scripts and dependencies to minimize security risks.

Contact details published on the site

Addresses
Legal name
Paddio Insurance Agency, LLC
Registration number
MO license #8041531
Technical notes

Notes

The website uses a conventional technology stack with nginx web server, Bootstrap 3 for responsive design, and jQuery for client-side scripting. It integrates multiple third-party services including Google Analytics for traffic analysis, Marketo Munchkin for marketing automation, and JotForm for embedded contact forms. Hosting is on AWS infrastructure, as indicated by DNS records and IP address. Performance data is missing, but the site is likely moderate to slow due to lack of optimization metrics. SEO is well addressed with meta tags, canonical links, and JSON-LD structured data. Accessibility is basic, with some legacy support scripts included. The absence of HTTPS and modern security features represents a significant technical debt and risk.
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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