What is Rate Limiting?
Rate limiting caps how many requests a client can make in a time window, throttling clients that exceed the allowance.
How it works
Limits can apply per IP, per account, per session, or per fingerprint. Sophisticated attackers spread load across thousands of identities to stay under each cap.
Why it matters for insurance
It slows bulk abuse but is blind on its own; distributed botnets treat simple rate limits as a speed bump, not a wall. For your rating engine, that means your loss ratios stay protected and policyholders get a fair experience.
How RiskRampart detects it
RiskRampart scores every request against behavioral, network, and device signals, so automated patterns surface even when they imitate real policyholders. Suspicious sessions get challenged or blocked before they reach your rating engine.