Helix Health Systems
Samplehelixhealth.io·Healthtech (Telehealth)·500–1,000 employees·$80M–$120M·US
Quote ID: qt_530a0f10
Coverage: $500,000 · Retention: $25,000 · Term: 12 months
EXPECTED ANNUAL LOSS (P50)
$269K
53.74% of coverage limit
TAIL LOSS (P99)
$4.36M
872.98% of coverage limit · near limit
POSTURE COMPOSITE
58 / 100
Industry avg: 71
Loss Distribution
ⓘ| Quantile | Annual Loss | vs Coverage |
|---|---|---|
| P10 | $57,846 | 11.57% |
| P25 | $119,739 | 23.95% |
| P50 | $268,703 | 53.74% |
| P75 | $602,989 | 120.60% |
| P90 | $1,248,155 | 249.63% |
| P99 | $4,364,877 | 872.98% |
| Mean | $550,946 | 110.19% |
| Std Dev | $986,193 | — |
| CV | 1.79 | — |
Risk Drivers · SHAP Attribution
Underwriting Decision
REFERRefer to senior underwriter
P99 tail loss approaches coverage limit (873.0%). Frequency-severity profile suggests refer to senior underwriter.
Suggested actions
Reduce limit to 0M
Brings P99 ratio to ~50%
Expected loss ratio: 14.2%
Add $100K retention floor
Reduces P50 by 18%
Customer responsibility: $100K
Require critical-CVE remediation
Eliminates 12-18% expected loss
Monthly automated rescans
Outside-In Posture
64
TLS ConfigurationA
Security HeadersB
DNS HygieneD
Certificate HealthA-
Attack Surface
51
Exposed Services6⚠ above industry avg
Known CVEs72 critical
Subdomain Sprawl92moderate
Shadow IT2flagged services
Exposure History
60
HIBP Records2vendor breach
Last Incident—vendor-side breach
Credential Exposures14emails leaked
Industry Frequency0.84/yrslightly elevated
Tech Stack
ⓘGCPPythonDjangoTwilioApache 2.4.41