name: Openly API Rate Limits
description: >-
  Openly does not publicly document specific API rate limits. As a partner-only
  API available to appointed independent insurance agencies, rate limit details
  are provided through the authenticated developer portal at
  developers.openly.com and as part of the agency API onboarding process.
  The information below reflects known platform capabilities and general
  expectations for insurance API integrations of this type.
rateLimits:
  - name: Quote Generation
    description: >-
      Openly's platform is engineered to generate fully underwritten homeowners
      insurance quotes in as little as 15 seconds using three data points (name,
      date of birth, address). Rate limits for programmatic quote generation via
      the API are not publicly disclosed and are subject to the terms of the
      agency API agreement.
    scope: Per API Key / Per Agency
    limit: Not publicly disclosed
    window: Not publicly disclosed
    notes: >-
      Openly deploys approximately 12 platform updates daily, suggesting a
      high-throughput engineering infrastructure. Specific rate limits are
      established as part of agency API onboarding.
  - name: Policy Binding
    description: >-
      Policy binding operations via the API are subject to underwriting rules
      and partner agreement terms. No public rate limits are documented.
    scope: Per Agency
    limit: Not publicly disclosed
    window: Not publicly disclosed
  - name: Endorsement Management
    description: >-
      Endorsement and mid-term policy change requests via API are governed by
      the agency partnership terms. No public rate limits are documented.
    scope: Per Agency
    limit: Not publicly disclosed
    window: Not publicly disclosed
  - name: Renewals
    description: >-
      Renewal processing through the API is available for appointed agency
      partners. Rate limits and batch processing capabilities are not publicly
      disclosed.
    scope: Per Agency
    limit: Not publicly disclosed
    window: Not publicly disclosed
authentication:
  type: OAuth / API Key
  description: >-
    Authentication for the Openly developer portal is provided via GitHub,
    Okta, or email credentials through the Stoplight-hosted workspace at
    developers.openly.com. Specific API authentication mechanisms (API keys,
    OAuth 2.0 tokens) for the backend integration are provided to approved
    agency partners and are not publicly documented.
  portalUrl: https://developers.openly.com/auth
notes: >-
  For specific rate limit information, approved agency partners should consult
  the authenticated developer portal at developers.openly.com or contact Openly
  engineering support. Agencies interested in API access should begin with an
  appointment request at https://openly.com/appointment.