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Security report for skuld.com

Skuld · Energy · Norway

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

72/100

Risk levelMedium

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

Skuld is a globally recognized marine insurer with a strong financial position and a presence in 10 countries. The company offers a comprehensive range of insurance products and services tailored to shipowners, charterers, the energy sector, renewables, and aquaculture. Their website reflects a professional and trustworthy brand with clear messaging and extensive content about their services, sustainability commitments, and industry expertise. Technically, the website employs modern technologies including Matomo analytics and Microsoft Application Insights, ensuring good performance and privacy-aware tracking. Security posture is solid with HTTPS enforced and no visible vulnerabilities, though some security headers could be improved and a formal security policy is absent. Overall, the site is well-designed, accessible, and optimized for mobile users, supporting a positive user experience and strong business credibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
73/ 100 · Medium
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 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 Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching skuld.com

This scan found 20 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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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
47
Security headers
45
Email security
80
DNS health
85
Network security
100
GDPR outside view
73
Average
72

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

Skuld operates in the marine insurance sector, targeting professional maritime clients such as shipowners and charterers, as well as energy and renewables industries. The business model is based on mutual and commercial insurance services, supported by underwriting, claims handling, and loss prevention expertise. The company maintains strong industry partnerships and memberships, enhancing its market position. The website content and structure indicate a mature organization with a focus on sustainability and compliance. Revenue streams likely include insurance premiums and related services. The absence of direct contact details on the homepage suggests a controlled communication channel, possibly requiring login or membership. The company leverages digital tools for customer engagement and information dissemination, indicating a modern approach to market presence.

Security posture

The website demonstrates a good security maturity level with HTTPS enabled and no exposed sensitive information. Use of privacy-conscious analytics tools and disabling cookies in Matomo shows attention to user privacy. However, the lack of explicit security headers such as Content-Security-Policy and absence of a published security policy or incident response plan are gaps. No vulnerability disclosure or security.txt file is present, limiting transparency for security researchers. The missing WHOIS data reduces domain trust slightly but does not indicate malicious intent. Overall, the security posture is strong for a corporate website but could be enhanced by formalizing security policies and improving header configurations.

Recommendations

  1. Implement and publish a comprehensive security policy and incident response plan on the website.
  2. Add security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection.
  3. Establish and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Provide clear and accessible contact information for security incidents and general inquiries.
  5. Regularly audit and update third-party scripts and analytics tools to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Skuld
Description
Skuld is a world leading marine insurer. We provide our members and clients with service and competence they can rely on 24/7.
Key services
marine insurance for shipowners, charterers insurance, energy sector insurance, renewables insurance, aquaculture insurance, yacht insurance, underwriting, claims handling, loss prevention, casualty response
Content quality
excellent
Branding
consistent

Technology

Stack
Matomo Analytics, Microsoft Application Insights, Tailwind CSS, JavaScript, iframe-resizer, Brightcove video player
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries
  • Use of analytics with cookie usage disabled in Matomo
  • No forms detected that collect sensitive data without clear security

Analytics and tracking

Services
Matomo, Microsoft Application Insights
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Matomo, Microsoft Application Insights
Marketing tools
Matomo Analytics, Microsoft Application Insights
Transparency
basic

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is professionally presented and relevant to marine insurance industry.
  3. No contact emails or phone numbers explicitly found on homepage HTML.
  4. Multiple compliance and policy pages linked in footer.
  5. Use of modern analytics and tracking with privacy considerations.
  6. No visible forms collecting personal data on homepage.
  7. WHOIS data unavailable, which is a minor trust concern.
  8. Strong branding and consistent navigation structure.
  9. No security.txt or vulnerability disclosure found.
Technical notes

Notes

The website uses a modern technology stack including Tailwind CSS for styling, Matomo and Microsoft Application Insights for analytics, and Brightcove for video content. The site is mobile-optimized with responsive design and good accessibility features such as skip links and ARIA labels. Performance is moderate, with asynchronous loading of scripts and optimized images. No CMS is explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not evident from the HTML. The site structure is clear with well-organized navigation and comprehensive metadata for SEO. Technical risks are minimal but could be reduced further by enhancing security headers and formalizing privacy and security documentation.
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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