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Security report for texasmutual.com

Texas Mutual Insurance Company · Government · United States

Low risk. 4 critical or high findings in SSL/TLS, Security headers and 1 other check.

Security score

78/100

Risk levelLow

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

Texas Mutual Insurance Company operates as the leading workers' compensation insurance provider in Texas, serving over 80,000 businesses and 1.5 million workers. The company emphasizes strong community ties, safety resources, and policyholder dividends, positioning itself as a trusted partner for Texas employers. The website reflects a mature digital presence with comprehensive content tailored to multiple user groups including employers, agents, healthcare providers, and injured workers. Technically, the site leverages modern frameworks such as Bootstrap and Webflow CMS, integrates multiple marketing and analytics tools, and maintains good mobile optimization and accessibility standards. Security posture is strong with HTTPS enforced and secure login portals, though explicit security headers and vulnerability disclosure policies are absent. Privacy compliance is partial, with a clear privacy policy but lacking cookie consent mechanisms. WHOIS data is unavailable, which is unusual for a major insurer, but the website's branding and external references strongly support legitimacy. Overall, the site demonstrates a professional, secure, and user-friendly platform with room for improvement in privacy and security transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
65/ 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. 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

  2. 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"

  3. 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 texasmutual.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

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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
77
Security headers
60
Email security
85
DNS health
80
Network security
100
GDPR outside view
65
Average
78

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

Texas Mutual holds a dominant position in the Texas workers' compensation insurance market, leveraging its policyholder-owned model to deliver dividends and community investments. Its business model focuses on insurance provision, claims management, and safety consultation services. The company targets Texas-based employers, agents, healthcare providers, and injured workers, offering tailored resources and self-service tools. The website's integration with multiple service portals and partner sites indicates a mature ecosystem supporting customer engagement and operational efficiency. The presence of extensive marketing and tracking technologies suggests a data-driven approach to customer acquisition and retention. Despite the lack of WHOIS transparency, the company's strong branding and community focus reinforce its market credibility.

Security posture

The website demonstrates a solid security foundation with enforced HTTPS, secure login portals, and no visible exposure of sensitive data. However, the absence of explicit security headers such as Content-Security-Policy and X-Frame-Options represents a potential area for enhancement. The lack of a published vulnerability disclosure policy or security.txt file limits transparency and may hinder coordinated vulnerability reporting. Privacy compliance is partial; while a comprehensive privacy policy is present, cookie consent mechanisms are missing, which could pose regulatory risks. The extensive use of third-party marketing and analytics scripts necessitates ongoing monitoring to mitigate supply chain risks. Overall, the security posture is good but could benefit from improved header policies, privacy controls, and incident response transparency.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  2. Deploy a cookie consent banner or mechanism to comply with GDPR and other privacy regulations.
  3. Publish a vulnerability disclosure policy or security.txt file to facilitate responsible security reporting.
  4. Provide clear incident response contact information, including security or abuse email addresses.
  5. Regularly audit and update third-party scripts to minimize risks from external dependencies.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Texas Mutual Insurance Company
Description
Texas Mutual is the state's leading workers' compensation insurance provider, serving over 80,000 Texas businesses and 1.5 million workers. They offer competitive rates, a reliable healthcare provider network, and a history of policyholder dividends.
Key services
Workers' compensation insurance, Claims management, Safety consultations and resources, Policyholder dividends, Community funding grants
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery 3.4.1, Bootstrap 4.3.1, Google Fonts (Montserrat, IvyPresto), FontAwesome 6.5.2, Google Tag Manager, Google Analytics, Marketo Munchkin, LinkedIn Insight Tag, StackAdapt, TVSquared, DoubleClick Floodlight, Crownpeak Search, Tealeaf
Frameworks
Bootstrap
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure login portals
  • No exposed sensitive data in HTML
  • Use of reputable third-party analytics and marketing scripts

Analytics and tracking

Services
Google Analytics, Marketo Munchkin, LinkedIn Insight Tag, TVSquared
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
DoubleClick, StackAdapt, Flashtalking, The Trade Desk
Tracking pixels
LinkedIn Insight Tag, Marketo Munchkin, TVSquared, AppNexus (adnxs.com), MediaMath (mathtag.com), The Trade Desk (adsrvr.org)
Marketing tools
Marketo, StackAdapt
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and no blocking detected
  2. Strong branding and consistent professional design
  3. Comprehensive navigation targeting multiple user groups: employers, agents, providers, injured workers
  4. Multiple secure login portals and self-service tools
  5. Extensive use of third-party marketing and analytics scripts
  6. No explicit privacy cookie consent mechanism detected
  7. WHOIS data unavailable, which is unusual for a major insurer
  8. No explicit security.txt or vulnerability disclosure policy found
  9. Contact information limited to phone numbers, no emails publicly listed
  10. No visible security certifications or compliance badges on homepage
Technical notes

Notes

The website is built using Webflow CMS with Bootstrap 4.3.1 and jQuery 3.4.1, ensuring responsive design and modern UI components. It integrates Google Fonts for typography and FontAwesome for icons, contributing to a polished visual experience. The site employs multiple marketing and analytics tools including Google Tag Manager, Google Analytics, Marketo Munchkin, LinkedIn Insight Tag, TVSquared, and StackAdapt, indicating a sophisticated digital marketing infrastructure. Performance is moderate with asynchronous loading of scripts and deferred execution where applicable. Accessibility and SEO optimizations are good, with proper meta tags and structured navigation. However, the site could improve by reducing third-party script dependencies and enhancing security header configurations to reduce technical 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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