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Security report for tdinsurance.com

TD Insurance · Finance · Canada

Medium risk. 4 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

75/100

Risk levelMedium

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

TD Insurance is a major Canadian insurance provider offering a wide range of personal and business insurance products including auto, home, travel, life, accident, health, and small business insurance. The company operates under the umbrella of the Toronto-Dominion Bank Group, serving over one million Canadians with a strong market presence and a comprehensive digital platform including online quotes, claims processing, and a highly rated mobile app. The website is professionally designed, mobile-optimized, and provides clear navigation and extensive product information tailored to Canadian provinces and languages. Technically, the site leverages Adobe Experience Manager and integrates modern tag management and consent tools, ensuring compliance with privacy regulations such as GDPR. Security posture is strong with HTTPS enforced and privacy policies clearly stated, although explicit incident response contacts and vulnerability disclosure mechanisms are not publicly visible. Overall, TD Insurance demonstrates a mature digital infrastructure and trustworthy business model with high user trust and engagement.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 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

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 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

  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

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

Keep watching tdinsurance.com

This scan found 17 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
82
Security headers
70
Email security
60
DNS health
80
Network security
100
GDPR outside view
58
Average
75

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

TD Insurance holds a strong position in the Canadian insurance market, leveraging its parent company TD Bank Group's brand and resources. Its business model focuses on direct-to-consumer insurance sales with digital self-service capabilities and group programs for alumni and professionals. The company emphasizes customer convenience through online quotes, claims centers, and mobile apps. Partnerships and sister sites support multilingual and regional coverage. The company’s content and marketing strategies highlight savings, convenience, and comprehensive coverage options, targeting Canadian residents and businesses. The domain registration and WHOIS data align with the corporate identity, reinforcing legitimacy and trust.

Security posture

The website maintains a good security posture with enforced HTTPS, use of consent management platforms, and integration of security-related scripts. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a publicly accessible security.txt or explicit incident response contact information is a gap. Security headers are likely configured server-side but not visible in the HTML. The site follows privacy compliance best practices with clear privacy and cookie policies. Overall, the security maturity is solid but could be improved by publishing vulnerability disclosure and incident response details.

Recommendations

  1. Publish a publicly accessible security.txt file to facilitate vulnerability reporting.
  2. Add explicit incident response contact information on the website.
  3. Ensure all security headers are properly configured and visible in HTTP responses.
  4. Regularly audit third-party scripts for vulnerabilities and privacy compliance.
  5. Enhance transparency on data retention policies and user privacy controls.

Contact details published on the site

Addresses
Legal name
TD Insurance
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
TD Insurance
Description
Insurance for car, home, travel, life, business & more. Download our highly rated TD Insurance mobile app.
Key services
Auto Insurance, Home Insurance, Travel Insurance, Life Insurance, Accident & Health Insurance, Small Business Insurance, Private Client Advice
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), JavaScript, Adobe Launch (Adobe DTM), Genesys Chat Widget, Ensighten Tag Management, CookieLaw.org Consent Management, Google Tag Manager, SchemaApp
Frameworks
Adobe Experience Manager
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of consent management platform for cookies
  • No exposed sensitive data in HTML
  • Secure login links
  • Use of third-party security and privacy scripts

Analytics and tracking

Services
Adobe Analytics (implied by Adobe DTM and Launch), Google Analytics (implied by Google Tag Manager)
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe DTM, Ensighten
Marketing tools
Adobe Launch, CookieLaw.org Consent Management
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Comprehensive insurance product offerings with clear segmentation.
  3. Strong emphasis on customer service and online self-service.
  4. Use of modern web technologies and consent management.
  5. No signs of malicious or suspicious content.
  6. Social media presence on Facebook and YouTube.
  7. Multiple language and province options for Canadian customers.
  8. Clear legal and privacy disclosures.
  9. Mobile optimized with accessible navigation.
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS platform, integrating Adobe Launch for tag management and Google Tag Manager for analytics. The site uses modern JavaScript libraries and consent management tools to comply with privacy laws. Performance is moderate with responsive design and mobile optimization evident. Accessibility features such as skip navigation links and ARIA attributes are present. The technical infrastructure supports a professional and scalable digital presence, though hosting provider details are not explicit. Opportunities exist to improve performance monitoring and security header visibility.
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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