Overview
JavaScript and Antibot both elevate Insurance's active barrier profile
| Value | |
|---|---|
| WAF | 86% |
| Antibot | 26% |
| CAPTCHA | 19% |
| JavaScript | 37% |
| Rate Limiting | 17% |
| TLS | 13% |
WAF leads at 86%. JavaScript (37%) and Antibot (26%) together form a multi-layer active stack — more than most sectors deploy alongside WAF.
Barrier Landscape
WAF leads Insurance at 86% — JavaScript is the main secondary layer
| Value | |
|---|---|
| WAF | 86% |
| Antibot | 26% |
| CAPTCHA | 19% |
| JavaScript | 37% |
| Rate Limiting | 17% |
| TLS | 13% |
| Has robots.txt | 71% |
| Blocks AI crawlers | 3% |
WAF dominates at 86%. JavaScript (37%) leads active secondary barriers, followed by Antibot (26%). The remaining three barriers all sit at or below 19% — a concentrated rather than broadly stacked profile.
Insurance's barrier counts are spread — no single configuration dominates
| % of sites | |
|---|---|
| 0 barriers | 9% |
| 1 barrier | 35% |
| 2 barriers | 25% |
| 3 barriers | 18% |
| 4 barriers | 8% |
| 5 barriers | 3% |
| 6 barriers | 2% |
Barrier counts vary widely across Insurance sites. Single-barrier configurations are the modal count at 35%, but the distribution is broad. 31% of sites carry three or more.
Insurance is predominantly Easy to access — with a notable Moderate minority
| Mean recommended tier | |
|---|---|
| All sites | 1.70 |
A mean recommended tier of 1.70 and a median of Easy place Insurance around the middle of the sectors surveyed. 43% of sites are Simple to access; 9% require Moderate or above.
Simple and Easy cover nine in ten Insurance sites
| % of sites | |
|---|---|
| 1 - Simple | 43.4% |
| 2 - Easy | 47.5% |
| 3 - Moderate | 6.1% |
| 4 - Complex | 2% |
| 5 - Advanced | 1% |
Easy (48%) is the most common tier. Simple and Easy together account for 91% of sites, while 6% land at Moderate and 3% at Complex or Advanced.
robots.txt
Around seven in ten Insurance sites publish a robots.txt
| % of sites | |
|---|---|
| Publish a valid robots.txt | 71% |
71% of Insurance sites have a valid robots.txt. The remaining 29% leave crawl policy entirely undefined — a meaningful gap for a sector of this scale.
Insurance sites name a handful of agents in robots.txt — few commit to comprehensive policies
| % of sites | |
|---|---|
| 0 | 32% |
| 1 | 44% |
| 2–4 | 12% |
| 5–9 | 4% |
| 10–15 | 4% |
| 16+ | 4% |
The mean of 3.4 named agents reflects limited bot-policy investment in Insurance. 32% of sites name no agents; 44% name exactly one. Only 4% maintain a list of 16 or more named bots.
SEO / search indexing draw the most robots.txt attention in Insurance
| % of sites | |
|---|---|
| AI crawlers | 6% |
| SEO / search indexing | 8% |
| SEO audit tools | 6% |
| Commercial scrapers | 0% |
| Social / content scrapers | 3% |
| Archive / research crawlers | 3% |
| Monitoring / uptime bots | 1% |
SEO / search indexing are named in 8% of Insurance robots.txt files, followed by AI crawlers at 6%. All figures are percentages of all 100 sites including those with no robots.txt.
Uniform per-agent rules dominate Insurance robots.txt files
| % of sites | |
|---|---|
| Uniform per-agent rules | 43% |
| Path-level mixed rules | 24% |
| Allow-only (no Disallow rules) | 3% |
| Mixed AI posture | 1% |
| Blanket Disallow: / | 1% |
Uniform per-agent rules lead at 43%, with path-level mixed rules at 24%. Mixed AI posture (1%) and blanket Disallow (1%) are minimal.
MJ12bot leads named Disallow rules in Insurance robots.txt
| Disallowed | Allowed (whitelisted) | |
|---|---|---|
| * | 64% | 27% |
| Googlebot | 2% | 3% |
| MJ12bot | 5% | — |
| AdsBot-Google | 2% | 2% |
| Twitterbot | 1% | 3% |
| Google-Extended | 1% | 3% |
| Teleport | 3% | — |
| WebCopier | 3% | — |
| WebStripper | 3% | — |
| ChatGPT-User | 1% | 2% |
| ClaudeBot | 2% | 1% |
| GPTBot | 1% | 2% |
| PerplexityBot | 2% | 1% |
| CCBot | 1% | 2% |
| Googlebot-Image | 1% | 1% |
| EmailCollector | 2% | — |
| EmailSiphon | 2% | — |
| TeleportPro | 2% | — |
| WebBandit | 2% | — |
| Mozilla/4.0 (compatible; MSIE 4.0; Windows NT; Site Server 3.0 Robot) Aetna | 1% | 1% |
| Mozilla/4.0 (compatible; MSIE 6.0; Windows NT; MS Search 4.0 Robot) | 1% | 1% |
| Sogou web spider | 2% | — |
| 008 | 2% | — |
| DotBot | 2% | — |
| OAI-SearchBot | 1% | 1% |
Values are percentages of all 100 Insurance sites surveyed. The wildcard (*) leads at 64% Disallow. Among named agents, MJ12bot, Teleport, WebCopier are the most frequently targeted — focused on non-AI crawlers.
Industry Cohort
Insurance is among the hardest sub-categories to access in Financial Services
| WAF | Antibot | CAPTCHA | JavaScript | Rate Limit | TLS | robots.txt | Blocks AI | Tier | |
|---|---|---|---|---|---|---|---|---|---|
| Accounting & Auditing | 93% | 15% | 13% | 40% | 8% | 10% | 63% | 1% | Tier 1 |
| Banking | 86% | 19% | 10% | 36% | 12% | 11% | 72% | 4% | Tier 2 |
| Finance | 88% | 27% | 15% | 36% | 22% | 16% | 82% | 13% | Tier 2 |
| Insurance | 86% | 26% | 19% | 37% | 17% | 13% | 71% | 3% | Tier 2 |
| Investment | 94% | 23% | 14% | 41% | 19% | 9% | 76% | 5% | Tier 1 |
| Venture Capital | 92% | 15% | 14% | 33% | 20% | 15% | 79% | 2% | Tier 1 |
A median tier of Easy and mean of 1.64 make Insurance one of the harder sectors within Financial Services to access programmatically. JavaScript (37%) is elevated in the cohort.