diff --git a/src/__tests__/scanner.test.ts b/src/__tests__/scanner.test.ts
index dd8e44a..419d927 100644
--- a/src/__tests__/scanner.test.ts
+++ b/src/__tests__/scanner.test.ts
@@ -561,6 +561,33 @@ describe('INSECURE_TRANSPORT rule', () => {
     const findings = runRuntimeRule(RuleId.INSECURE_TRANSPORT, config);
     expect(findings).toHaveLength(0);
   });
+
+  it('fires for a ws:// serverUrl when transport.url is absent', () => {
+    // A config can declare its endpoint at the top level (`serverUrl`) with no
+    // nested `transport.url`. The rule must still catch cleartext WebSockets
+    // there — mirroring MISSING_TLS's serverUrl fallback.
+    const config: ParsedMcpConfig = { serverUrl: 'ws://example.com/mcp' };
+    const findings = runRuntimeRule(RuleId.INSECURE_TRANSPORT, config);
+    expect(findings).toHaveLength(1);
+    expect(findings[0].ruleId).toBe(RuleId.INSECURE_TRANSPORT);
+    expect(findings[0].severity).toBe(Severity.HIGH);
+  });
+
+  it('does not fire for a wss:// serverUrl when transport.url is absent', () => {
+    const config: ParsedMcpConfig = { serverUrl: 'wss://example.com/mcp' };
+    const findings = runRuntimeRule(RuleId.INSECURE_TRANSPORT, config);
+    expect(findings).toHaveLength(0);
+  });
+
+  it('prefers transport.url over serverUrl when both are present', () => {
+    const config: ParsedMcpConfig = {
+      serverUrl: 'wss://secure.example.com/mcp',
+      transport: { url: 'ws://insecure.example.com/mcp' },
+    };
+    const findings = runRuntimeRule(RuleId.INSECURE_TRANSPORT, config);
+    expect(findings).toHaveLength(1);
+    expect(findings[0].evidence).toContain('ws://insecure.example.com/mcp');
+  });
 });
 
 // ─── failOn behaviour ─────────────────────────────────────────────────────────
diff --git a/src/rules/runtime-rules.ts b/src/rules/runtime-rules.ts
index 0d0c3fd..d2d64eb 100644
--- a/src/rules/runtime-rules.ts
+++ b/src/rules/runtime-rules.ts
@@ -15,7 +15,12 @@ export const runtimeRules: Rule[] = [
     severity: Severity.HIGH,
     title: 'Insecure WebSocket Transport (ws://)',
     check(config: ParsedMcpConfig): Finding[] {
-      const url = config.transport?.url;
+      // Mirror MISSING_TLS: fall back to the top-level `serverUrl` when no
+      // `transport.url` is set. A config can declare its endpoint at either
+      // location (e.g. examples/minimal-config.json uses `serverUrl` alone),
+      // and an unencrypted `ws://` endpoint is equally insecure whichever
+      // field carries it.
+      const url = config.transport?.url ?? config.serverUrl;
       if (url && url.startsWith('ws://')) {
         return [
           {