Oakgrove Commerce
Sampleoakgrove.shop·E-commerce (DTC retail)·30–50 employees·$5M–$15M·US
Quote ID: qt_0190f5b9
Coverage: $1,000,000 · Retention: $25,000 · Term: 12 months
EXPECTED ANNUAL LOSS (P50)
$112K
11.24% of coverage limit
TAIL LOSS (P99)
$1.50M
150.25% of coverage limit · near limit
POSTURE COMPOSITE
76 / 100
Industry avg: 71
Loss Distribution
ⓘ| Quantile | Annual Loss | vs Coverage |
|---|---|---|
| P10 | $26,922 | 2.69% |
| P25 | $52,970 | 5.30% |
| P50 | $112,351 | 11.24% |
| P75 | $238,300 | 23.83% |
| P90 | $468,858 | 46.89% |
| P99 | $1,502,503 | 150.25% |
| Mean | $209,133 | 20.91% |
| Std Dev | $328,339 | — |
| CV | 1.57 | — |
Risk Drivers · SHAP Attribution
Underwriting Decision
WRITERefer to senior underwriter
Within risk appetite. P99 ratio 150.3%, posture composite 76.
Suggested actions
Bind at quoted terms
Standard policy issuance
12-month term, $25K retention
Add quarterly rescan endorsement
Maintains posture monitoring
No premium impact
Schedule renewal in 11 months
Auto-rescan + re-quote
30-day pre-expiry trigger
Outside-In Posture
78
TLS ConfigurationA-
Security HeadersA-
DNS HygieneB+
Certificate HealthA-
Attack Surface
74
Exposed Services3within range
Known CVEs20 critical
Subdomain Sprawl21minimal
Shadow IT2flagged services
Exposure History
76
HIBP Records1vendor breach
Last Incident—vendor-side breach
Credential Exposures14emails leaked
Industry Frequency0.84/yrslightly elevated
Tech Stack
ⓘShopifyCloudflareStripeKlaviyo