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: Coterie Insurance
providerId: coterie
created: '2026-06-25'
modified: '2026-06-25'
reconciled: false
tags:
- Insurance
- Commercial Insurance
- Small Business
- Embedded Insurance
- Insurtech
- Rate Limiting
- Quotas
- Throttling
description: >-
  Coterie's partner documentation states there are no call-volume limits for
  testing or production use of the Commercial Insurance API. The API is gated by
  partner appointment and per-key authentication (Publishable and Secret keys)
  rather than by published per-key rate limits. Specific throttling thresholds,
  burst limits, or concurrency caps are not publicly documented and are not
  reconciled in this artifact.
notes: >-
  Confirm any operational throttling, retry guidance, and Retry-After behavior
  with your Coterie Integration Manager during reconciliation. Standard HTTP 429
  Too Many Requests handling should be assumed defensively even though no
  numeric limit is published.
sources:
- https://docs.coterieinsurance.com/
- https://explore.coterieinsurance.com/partner-faqs
responseCodes:
  throttled: 429
limits:
- name: API Call Volume
  scope: account
  metric: requests
  limit: no documented limit
  notes: Coterie states no call-volume limits for testing or production; verify on reconciliation.
- name: Sandbox Call Volume
  scope: account
  metric: requests
  limit: no documented limit
  notes: Sandbox is provided for integration testing without published volume caps.
policies:
- name: Partner Gating
  description: Access is controlled by partner appointment and per-key authentication rather than published rate tiers.
- name: Backoff Strategy
  description: Clients should implement exponential backoff with jitter and honor Retry-After if a 429 is returned.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com