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Security report for usarisk.com

USA Risk Group · Finance · Cayman Islands

Medium risk. 4 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

59/100

Risk levelMedium

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

USA Risk Group is a specialized consultancy focused on helping organizations achieve financial control over insurance and risk management through captive insurance solutions. Established since 1981, the company targets leadership teams across industries seeking cost efficiencies and profit generation. Their key services include captive insurance consulting, risk management program control, and cost-efficiency development, supported by free consultation calls. The company operates primarily from the Cayman Islands and leverages HubSpot CMS and marketing tools for its digital presence. The website is professionally designed with clear navigation and calls to action, reflecting a mature digital infrastructure. Security posture is adequate with HTTPS and cookie consent mechanisms in place, though lacking explicit security policies and advanced security headers. The domain uses privacy protection typical for offshore entities, with no suspicious indicators. Overall, the company presents a credible and professional front with room for security and compliance enhancements.

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

4 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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

  2. 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. 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"

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

Keep watching usarisk.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

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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
0
Security headers
45
Email security
80
DNS health
85
Network security
100
GDPR outside view
43
Average
59

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

The company positions itself as a niche player in the captive insurance and risk management consulting market, leveraging decades of experience since 1981. Their business model revolves around advisory services that help clients integrate captives to control insurance costs and risks. The target audience includes business leaders and insurance brokers seeking long-term cost efficiencies. The website features trust indicators such as awards and industry logos, enhancing credibility. The use of HubSpot tools indicates a focus on inbound marketing and lead generation. The company maintains a clear contact channel and social media presence on LinkedIn, supporting professional networking and client engagement. No direct parent or subsidiary relationships are evident. The domain's privacy protection aligns with the offshore business location, which is common in the finance sector.

Security posture

The website enforces HTTPS and implements a cookie consent banner, demonstrating baseline privacy compliance. However, it lacks visible security headers such as Content Security Policy, HSTS, and X-Frame-Options, which are recommended for enhanced protection. The use of an outdated jQuery version (1.7.1) could expose the site to known vulnerabilities if exploited. No explicit security or incident response policies are published, and no vulnerability disclosure or security.txt files are present. Analytics and tracking are implemented via HubSpot and Google Analytics, with moderate user tracking levels. Overall, the security posture is moderate but could be improved by updating libraries, adding security headers, and publishing security policies.

Recommendations

  1. Implement comprehensive security headers including CSP, HSTS, X-Frame-Options, and X-XSS-Protection.
  2. Upgrade jQuery and other JavaScript libraries to current secure versions to mitigate vulnerabilities.
  3. Publish explicit security and incident response policies on the website to enhance transparency and trust.
  4. Add a vulnerability disclosure policy or security.txt file to facilitate responsible reporting.
  5. Enhance privacy compliance by detailing GDPR-related practices and data retention policies.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
USA Risk Group
Description
USA Risk Group works with leadership teams in all industries tasked with growing their business, developing cost-efficiencies and generating profit by integrating long-term cost-efficiencies with captives to gain control over insurance and risk management programs.
Key services
Captive insurance consulting, Risk management program control, Cost-efficiency development, Consultation calls
Content quality
good
Branding
consistent

Technology

Stack
jQuery 1.7.1, Font Awesome 4.5.0, Google Fonts (Open Sans), HubSpot CMS, HubSpot Analytics, HubSpot CTA, Parallax.js
Platforms
HubSpot
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced (canonical URL is HTTPS)
  • Cookie consent banner implemented

Analytics and tracking

Services
HubSpot Analytics, Google Analytics
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
HubSpot Analytics
Marketing tools
HubSpot CTA, HubSpot Analytics
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
moderate

Key observations

  1. Website is professionally designed and content-rich
  2. Uses HubSpot CMS and marketing tools extensively
  3. Clear call to action for consultation scheduling
  4. No visible security policy or incident response information
  5. Cookie consent banner present and functional
  6. Contact information is complete and consistent
  7. No WAF or blocking detected
  8. Domain WHOIS privacy protection in place
Technical notes

Notes

The website is built on the HubSpot CMS platform, utilizing HubSpot's analytics and marketing tools, including CTAs and cookie banners. It uses older jQuery (1.7.1) and Font Awesome 4.5.0, which may require updates for security and performance. The site loads external resources from HubSpot's CDN and Google Fonts, ensuring reasonable performance. Mobile optimization is good with responsive design elements. Accessibility is basic but could be improved. SEO is supported by proper meta tags and Open Graph data. The site does not appear to use modern JavaScript frameworks but relies on traditional libraries and HubSpot's ecosystem. Performance is moderate, with potential for improvement by updating scripts and optimizing assets.
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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