Oakgrove Commerce
Sampleoakgrove.shop·E-commerce (DTC retail)·30–50 employees·$5M–$15M·US
Quote ID: qt_fa69dcc5
Coverage: $500,000 · Retention: $25,000 · Term: 12 months
EXPECTED ANNUAL LOSS (P50)
$77K
15.44% of coverage limit
TAIL LOSS (P99)
$1.03M
206.51% of coverage limit · near limit
POSTURE COMPOSITE
76 / 100
Industry avg: 71
Loss Distribution
ⓘ| Quantile | Annual Loss | vs Coverage |
|---|---|---|
| P10 | $18,502 | 3.70% |
| P25 | $36,403 | 7.28% |
| P50 | $77,211 | 15.44% |
| P75 | $163,767 | 32.75% |
| P90 | $322,214 | 64.44% |
| P99 | $1,032,566 | 206.51% |
| Mean | $143,722 | 28.74% |
| Std Dev | $225,644 | — |
| CV | 1.57 | — |
Risk Drivers · SHAP Attribution
Underwriting Decision
WRITERefer to senior underwriter
Within risk appetite. P99 ratio 206.5%, 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