Steamship Mutual Underwriting Association (Bermuda) Limited operates as a mutual insurance association specializing in protection and indemnity insurance for the maritime industry. The company provides a range of insurance products including freight demurrage and defence, war risk, and loss prevention services, targeting shipowners and maritime professionals globally. The website reflects a mature business with a strong market position in the shipping insurance sector.
Technically, the website is built on Drupal CMS and employs modern web technologies such as Google Tag Manager and OneTrust for cookie consent management. The site is mobile-optimized, accessible, and demonstrates good SEO practices. Performance is moderate, with a professional design and clear navigation enhancing user experience.
From a security perspective, the site enforces HTTPS, implements key security headers, and uses cookie consent mechanisms aligned with GDPR compliance. However, the absence of a publicly available security policy and incident response contact details represents an area for improvement. No vulnerabilities or exposed sensitive data were detected.
Overall, the website presents a trustworthy and professional front for Steamship Mutual, though the lack of WHOIS domain registration data introduces some uncertainty. Strategic recommendations include publishing a security policy, providing incident response contacts, and verifying domain registration details to enhance trust and compliance.
Scanned ·
NIS2 and GDPR posture
GDPR outside view
88/ 100 · Low
Checks completed
7of 7
NIS2 Art. 21(2)
a(a) Risk analysis and security policies: Not visible from outside
b(b) Incident handling: One indicator
c(c) Business continuity, backups and crisis management: Not visible from outside
d(d) Supply chain security: Not visible from outside
e(e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
f(f) Assessing the effectiveness of security measures: Not visible from outside
g(g) Cyber hygiene and security training: Not visible from outside
h(h) Cryptography and encryption: Partly checked
i(i) HR security, access control and asset management: One indicator
j(j) Multi-factor authentication and secured communications: Not visible from outside
Partly checked
One indicator
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
3 findings rated critical or high. Fix these first.
Email security
SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.
Critical
No email authentication configured
Domain is vulnerable to email spoofing
What to do: Implement SPF, DKIM, and DMARC immediately
High
No SPF record found
SPF helps prevent email spoofing
What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"
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.
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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
82
Security headers
70
Email security
40
DNS health
75
Network security
100
GDPR outside view
88
Average
76
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
Breach exposure
Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.
Dark web exposure
Add-on
Leaked records that mention steamshipmutual.com, from OffSeq Breach.
No leaked records found
Breach holds no records for steamshipmutual.com right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
Business context
Business profile
Steamship Mutual holds a significant position in the maritime insurance market, leveraging a mutual insurance model that aligns the interests of its members. The company’s business model focuses on underwriting specialized maritime risks and providing risk management services. Its target customers are shipping companies and maritime operators seeking comprehensive insurance coverage. The website content and structure indicate a well-established organization with a global reach. The use of professional content, detailed financial disclosures, and risk alerts suggests a transparent and client-focused approach. Partnerships and integrations with industry-standard tools like OneTrust and Google Analytics reflect a commitment to compliance and data-driven decision-making.
Security posture
The website demonstrates a solid security posture with HTTPS enforcement and multiple security headers in place, reducing common web vulnerabilities. The implementation of cookie consent aligns with GDPR requirements, indicating awareness of privacy regulations. However, the lack of a dedicated security policy page and absence of incident response contact information limit transparency and preparedness perception. No signs of malware, phishing, or exposed credentials were found. The site uses reputable third-party scripts but should maintain vigilance on their security. Overall, the security maturity is good but can be enhanced by formalizing policies and disclosure mechanisms.
Recommendations
Publish a comprehensive security policy page accessible from the website footer or main menu.
Provide clear incident response contact details, including security or abuse email addresses.
Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
Regularly audit third-party scripts and libraries for vulnerabilities and update them promptly.
Verify and publicly disclose domain registration details to improve trust and legitimacy.
Steamship Mutual Underwriting Association (Bermuda) Limited
Site observations
Automated reading of the public site. Ratings are indicative.
Business
Company
Steamship Mutual Underwriting Association (Bermuda) Limited
Description
Steamship Mutual is a mutual insurance association providing protection and indemnity insurance and related covers to the shipping industry. It offers risk management, underwriting, and claims services to its members worldwide.
Key services
Protection and Indemnity Insurance, Freight Demurrage and Defence, War Risk Insurance, Loss Prevention and Risk Management
Content quality
good
Branding
consistent
Technology
Stack
Google Tag Manager, OneTrust Cookie Consent, Icomoon Icons
Performance
moderate
Mobile
good
Accessibility
good
SEO
good
Security
Observed score
85/100
Good practices seen
HTTPS enforced
Cookie consent implemented
No exposed sensitive data in HTML
Use of security headers
Analytics and tracking
Services
Google Analytics
Tracking level
moderate
Privacy practices
good
Advertising
Tracking pixels
Google Analytics (via Google Tag Manager)
Marketing tools
OneTrust
Transparency
good
Site quality
Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high
Key observations
Website is professionally designed and well-structured.
Content is focused on maritime insurance and risk management.
No signs of malicious or suspicious content.
WHOIS data is missing, which is unusual and should be investigated.
Cookie consent and privacy policies are implemented properly.
No visible security policy or incident response contact details.
Use of modern tracking and consent technologies.
No WAF or blocking mechanisms detected.
Technical notes
Notes
The website is built on Drupal CMS, leveraging modern web standards and technologies such as Google Tag Manager for analytics and OneTrust for cookie consent management. The site is responsive and optimized for mobile devices, with good accessibility features. Performance is moderate, with no critical technical debt observed. The use of multiple Google Tag Manager IDs suggests segmented analytics tracking. Security headers and HTTPS configuration are well implemented, contributing to a secure browsing experience. Opportunities exist to enhance technical maturity by improving hosting transparency and optimizing load times further.
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.
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