specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: At-Bay
providerId: at-bay
created: '2026-05-25'
modified: '2026-05-25'
reconciled: false
tags:
  - Insurance
  - Rate Limiting
  - Quotas
description: >-
  At-Bay's developer documentation references a rate-limit section under
  Support, but does not publish numeric per-second or per-minute caps in
  public docs. The Partner API is contract-gated and capacity is provisioned
  per partner. Two operational throttles are documented in the public
  quickstart: (1) recommended quote polling interval of every 10 seconds
  against GET /quotes/{quote_identifier}, with typical p90 completion under
  40 seconds; and (2) production Broker-of-Record (BOR) clearance which
  blocks duplicate domains or addresses within a 60-day window.
sources:
  - https://developers.at-bay.com/docs/getting-started
  - https://developers.at-bay.com/llms.txt
headers: {}
responseCodes:
  throttled: 429
  quotaExceeded: 429
  borConflict: 409
algorithm: contract-provisioned
operationalThrottles:
  - name: quote-polling-interval
    target: GET /quotes/{quote_identifier}
    recommendation: poll every 10 seconds
    description: >-
      Recommended polling cadence after submitting a quote; typical p90
      quote completion is under 40 seconds.
  - name: bor-clearance-window
    target: POST /quotes (production only)
    window: 60 days
    description: >-
      Production submissions sharing a client domain or address with a
      prior submission within 60 days are blocked by At-Bay's Broker of
      Record clearance process. Not enforced in the demo environment.
limits: []
notes: >-
  Partners should email partnerships@at-bay.com for documented per-partner
  request-per-minute and concurrent-quote caps applicable to their contract.