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: Cover Genius
providerId: cover-genius
created: '2026-06-20'
modified: '2026-06-20'
reconciled: false
tags:
- Insurance
- Insurtech
- Embedded Insurance
- Protection
- Claims
- Rate Limiting
- Quotas
- Throttling
description: >-
  The XCover API enforces per-second rate limits on partner requests. The
  documented defaults are 50 requests/second for the Create Offer and Confirm
  Offer endpoints and 20 requests/second shared across all other endpoints.
  Testing API keys are restricted to 2 requests/second. Limits can be raised by
  arrangement with a Cover Genius account manager. Exact throttle response codes
  and rate-limit headers are not fully documented and are not reconciled here.
notes: >-
  Verify current per-endpoint limits, throttle status codes, and any rate-limit
  response headers with Cover Genius partner support during reconciliation.
sources:
- https://partner-docs.covergenius.com/offers/api/rate-limits
- https://partner-docs.covergenius.com/offers/api/reference
responseCodes:
  throttled: 429
limits:
- name: Create Offer / Confirm Offer
  scope: account
  metric: requests
  limit: 50/second
  notes: Applies to the create offer and confirm offer (booking) endpoints.
- name: All Other Endpoints
  scope: account
  metric: requests
  limit: 20/second
  notes: Shared across all remaining XCover endpoints.
- name: Testing API Keys
  scope: account
  metric: requests
  limit: 2/second
  notes: Lower limit applied to test/sandbox API keys operating in production.
policies:
- name: Limit Increases
  description: Higher limits available by arrangement with a Cover Genius account manager / Client Solution Engineer.
- name: Backoff Strategy
  description: Clients should implement exponential backoff with jitter and honor any throttle responses.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com