diff --git a/src/main/app/task-queue-worker.ts b/src/main/app/task-queue-worker.ts
index 42f9dc55..1254a065 100644
--- a/src/main/app/task-queue-worker.ts
+++ b/src/main/app/task-queue-worker.ts
@@ -26,12 +26,17 @@ export function isAutonomousPaused(connection: DatabaseConnection): boolean {
 /**
  * Atomically claims the oldest queued task_run by transitioning it
  * `queued` -> `running` in one transaction; returns the claimed run or null.
+ * Runs whose provider sits in a transient-failure cooldown are left queued —
+ * they would fail on arrival, and waiting costs nothing.
  */
-export function claimNextQueuedRun(connection: DatabaseConnection): QueuedRun | null {
+export function claimNextQueuedRun(connection: DatabaseConnection, excludedProviderIds: string[] = []): QueuedRun | null {
   return connection.transaction(() => {
+    const exclusion = excludedProviderIds.length > 0
+      ? `and provider_id not in (${excludedProviderIds.map(() => "?").join(", ")})`
+      : "";
     const row = connection.db
-      .prepare("select id, org_id from task_runs where state = 'queued' order by created_at asc limit 1")
-      .get() as QueuedRun | undefined;
+      .prepare(`select id, org_id from task_runs where state = 'queued' ${exclusion} order by created_at asc limit 1`)
+      .get(...excludedProviderIds) as QueuedRun | undefined;
     if (!row) return null;
     const result = connection.db
       .prepare("update task_runs set state = 'running', started_at = coalesce(started_at, ?) where id = ? and state = 'queued'")
@@ -70,7 +75,7 @@ export function startTaskQueueWorker(input: TaskQueueWorkerInput): () => void {
       }
       if (paused) return;
       const enqueued = input.connection.transaction(() => taskExecution.enqueueHeartbeatRuns());
-      const claimed = claimNextQueuedRun(input.connection);
+      const claimed = claimNextQueuedRun(input.connection, taskExecution.cooledProviderIds());
       if (!claimed) {
         if (enqueued.length > 0) notifyDataChanged();
         return;
diff --git a/src/main/services/task-execution-service.ts b/src/main/services/task-execution-service.ts
index 408f72f4..7a912b1d 100644
--- a/src/main/services/task-execution-service.ts
+++ b/src/main/services/task-execution-service.ts
@@ -1,7 +1,7 @@
 import type { DatabaseSync } from "node:sqlite";
 import type { RunTaskInput } from "../../shared/commands";
 import { APPROVAL_STATE, RISK_LEVEL } from "../../shared/domain";
-import { currentProviderUsageWindow, PROVIDER_MONTHLY_LIMIT_MESSAGE } from "../../shared/provider-runtime-domain";
+import { currentProviderUsageWindow, isTransientProviderFailure } from "../../shared/provider-runtime-domain";
 import { createId } from "../../shared/ids";
 import { AuditService } from "./audit-service";
 import { ProviderService } from "./provider-service";
@@ -35,6 +35,15 @@ const TASK_RUN_STATE = {
   FAILED: "failed",
 } as const;
 
+const TASK_RETRY_BUDGET = 3;
+
+/**
+ * How long a provider's tasks stay parked after it reports a transient
+ * failure (usage limit, rate limit, overload). Long enough not to hammer a
+ * closed door every 5s tick, short enough to probe again the same hour.
+ */
+const PROVIDER_TRANSIENT_FAILURE_COOLDOWN_MS = 10 * 60_000;
+
 interface TaskApprovalRow {
   id: string;
   state: string;
@@ -56,6 +65,8 @@ export class TaskExecutionService {
   private readonly chat: ChatService;
   /** Providers currently parked on their monthly quota, for transition logging. */
   private quotaBlockedProviders = new Map<string, string>();
+  /** Providers parked after a transient failure (usage/rate limit, overload): id -> park state. */
+  private providerCooldowns = new Map<string, { until: number; label: string }>();
 
   constructor(
     private readonly db: DatabaseSync,
@@ -63,6 +74,8 @@ export class TaskExecutionService {
     private readonly skills: SkillService = new SkillService(db, ""),
     /** Invoked whenever a run writes data mid-flight, so the UI can refresh while agents work. */
     private readonly notifyDataChanged: () => void = () => undefined,
+    /** Injectable clock so tests can walk providers out of cooldown. */
+    private readonly now: () => number = () => Date.now(),
   ) {
     this.audit = new AuditService(db);
     this.organization = new OrganizationService(db);
@@ -191,6 +204,7 @@ export class TaskExecutionService {
     } catch (error) {
       const message = error instanceof Error ? error.message : String(error);
       this.failRun(orgId, runId, providerRequestId, message);
+      if (isTransientProviderFailure(message)) this.parkProvider(provider, message);
       this.audit.record({
         orgId,
         entityType: "task_run",
@@ -300,16 +314,17 @@ export class TaskExecutionService {
    * CEO-delegated work starts on its own. Each task is enqueued at most once
    * (guarded by existing runs), preventing runaway re-execution.
    *
-   * Two quota rules keep the loop self-healing when a provider's monthly
-   * window fills up: tasks on an exhausted provider are parked (not enqueued
-   * into certain failure), and past quota-blocked failures never count toward
-   * the 3-attempt retry budget. Raising the limit therefore resumes work on
-   * the next tick — no restart or manual unpausing.
+   * Three rules keep the loop self-healing when a provider stops serving:
+   * tasks on a provider over its monthly window are parked (not enqueued into
+   * certain failure), tasks on a provider inside a transient-failure cooldown
+   * wait it out, and transient failures (usage/rate limits, overload) never
+   * count toward the retry budget. Raising a limit — or the provider's own
+   * window resetting — therefore resumes work without a restart.
    */
   enqueueHeartbeatRuns(): string[] {
     const window = currentProviderUsageWindow();
     const rows = this.db.prepare(`
-      select t.id as task_id, t.org_id as org_id
+      select t.id as task_id, t.org_id as org_id, p.id as provider_id
       from tasks t
       join agents a on a.id = t.assignee_agent_id and a.org_id = t.org_id
       join providers p on p.id = a.model_provider_id and p.org_id = t.org_id
@@ -321,11 +336,16 @@ export class TaskExecutionService {
         and p.enabled = 1
         and coalesce(u.request_count, 0) < p.monthly_request_limit
         and not exists (select 1 from task_runs r where r.task_id = t.id and r.state in ('queued', 'running', 'completed'))
-        and (select count(*) from task_runs r where r.task_id = t.id and coalesce(r.error_message, '') <> ?) < 3
-    `).all(window.start, PROVIDER_MONTHLY_LIMIT_MESSAGE) as Array<{ task_id: string; org_id: string }>;
+    `).all(window.start) as Array<{ task_id: string; org_id: string; provider_id: string }>;
     this.observeQuotaBlocks(window.start);
+    const cooling = new Set(this.cooledProviderIds());
+    const attemptMessages = this.db.prepare("select error_message from task_runs where task_id = ?");
     const created: string[] = [];
     for (const row of rows) {
+      if (cooling.has(row.provider_id)) continue;
+      const attempts = (attemptMessages.all(row.task_id) as Array<{ error_message: string | null }>)
+        .filter((run) => !isTransientProviderFailure(run.error_message)).length;
+      if (attempts >= TASK_RETRY_BUDGET) continue;
       try {
         created.push(this.enqueueRun(row.org_id, row.task_id));
       } catch {
@@ -335,6 +355,39 @@ export class TaskExecutionService {
     return created;
   }
 
+  /**
+   * Parks a provider after it reported a transient failure (usage limit, rate
+   * limit, overload), so the queue stops feeding it doomed runs every tick.
+   * The park is in-memory by design: after a restart the first probe run
+   * either succeeds or re-arms the cooldown at the cost of one request.
+   */
+  private parkProvider(provider: TaskExecutionProviderRow, message: string): void {
+    const active = this.providerCooldowns.get(provider.id);
+    const wasParked = active !== undefined && active.until > this.now();
+    this.providerCooldowns.set(provider.id, { until: this.now() + PROVIDER_TRANSIENT_FAILURE_COOLDOWN_MS, label: provider.label });
+    if (!wasParked) {
+      const minutes = Math.round(PROVIDER_TRANSIENT_FAILURE_COOLDOWN_MS / 60_000);
+      console.warn(`[task-queue] provider "${provider.label}" reported a transient failure ("${message}"); its tasks are parked for ${minutes} minutes.`);
+    }
+  }
+
+  /**
+   * Providers currently inside a transient-failure cooldown. Expired parks are
+   * pruned (with a resume log line) so the next tick probes the provider again.
+   */
+  cooledProviderIds(): string[] {
+    const active: string[] = [];
+    for (const [id, park] of this.providerCooldowns) {
+      if (park.until > this.now()) {
+        active.push(id);
+      } else {
+        this.providerCooldowns.delete(id);
+        console.info(`[task-queue] provider "${park.label}" cooldown ended; its tasks resume.`);
+      }
+    }
+    return active;
+  }
+
   /**
    * Logs monthly-quota transitions (blocked <-> unblocked) exactly once per
    * state change so a parked queue is diagnosable from the main-process log
diff --git a/src/shared/provider-runtime-domain.ts b/src/shared/provider-runtime-domain.ts
index c915f506..87a8b897 100644
--- a/src/shared/provider-runtime-domain.ts
+++ b/src/shared/provider-runtime-domain.ts
@@ -38,6 +38,28 @@ export interface ProviderRateLimitObservationRecord extends ProviderObservedRate
  */
 export const PROVIDER_MONTHLY_LIMIT_MESSAGE = "Provider monthly request limit has been reached.";
 
+/**
+ * Failure-message signatures of transient provider conditions — the account's
+ * usage window filling up, rate limiting, or momentary overload. These verdicts
+ * come from the provider's side of the wire and say nothing about the task, so
+ * schedulers must treat them as "try again later", never as attempts consumed.
+ * Matched case-insensitively against recorded task_runs.error_message rows,
+ * which also heals historical rows written before this classification existed.
+ */
+const TRANSIENT_PROVIDER_FAILURE_SIGNATURES = [
+  PROVIDER_MONTHLY_LIMIT_MESSAGE,
+  "usage limit", // ChatGPT-account plans: "The usage limit has been reached"
+  "rate limit",
+  "too many requests", // HTTP 429 status text
+  "overloaded", // "Our servers are currently overloaded. Please try again later."
+].map((signature) => signature.toLowerCase());
+
+export function isTransientProviderFailure(message: string | null | undefined): boolean {
+  if (!message) return false;
+  const normalized = message.toLowerCase();
+  return TRANSIENT_PROVIDER_FAILURE_SIGNATURES.some((signature) => normalized.includes(signature));
+}
+
 export function currentProviderUsageWindow(now = new Date()): { start: string; end: string } {
   const start = new Date(Date.UTC(now.getUTCFullYear(), now.getUTCMonth(), 1));
   const end = new Date(Date.UTC(now.getUTCFullYear(), now.getUTCMonth() + 1, 1));
diff --git a/tests/unit/provider-runtime-domain.test.ts b/tests/unit/provider-runtime-domain.test.ts
new file mode 100644
index 00000000..fbc7ec31
--- /dev/null
+++ b/tests/unit/provider-runtime-domain.test.ts
@@ -0,0 +1,21 @@
+import { describe, expect, test } from "vitest";
+import { isTransientProviderFailure, PROVIDER_MONTHLY_LIMIT_MESSAGE } from "../../src/shared/provider-runtime-domain";
+
+describe("isTransientProviderFailure", () => {
+  test("classifies provider-side limit and overload verdicts as transient", () => {
+    expect(isTransientProviderFailure(PROVIDER_MONTHLY_LIMIT_MESSAGE)).toBe(true);
+    expect(isTransientProviderFailure("The usage limit has been reached")).toBe(true);
+    expect(isTransientProviderFailure("Our servers are currently overloaded. Please try again later.")).toBe(true);
+    expect(isTransientProviderFailure("Rate limit exceeded, retry after 20s")).toBe(true);
+    expect(isTransientProviderFailure("429 Too Many Requests")).toBe(true);
+  });
+
+  test("keeps genuine task failures counting toward the retry budget", () => {
+    expect(isTransientProviderFailure(null)).toBe(false);
+    expect(isTransientProviderFailure(undefined)).toBe(false);
+    expect(isTransientProviderFailure("")).toBe(false);
+    expect(isTransientProviderFailure("provider rejected task")).toBe(false);
+    expect(isTransientProviderFailure("Agent run did not converge within 12 iterations.")).toBe(false);
+    expect(isTransientProviderFailure("Provider returned an empty turn: no text and no tool calls.")).toBe(false);
+  });
+});
diff --git a/tests/unit/task-execution-service.test.ts b/tests/unit/task-execution-service.test.ts
index 6cd1c86c..6b09f192 100644
--- a/tests/unit/task-execution-service.test.ts
+++ b/tests/unit/task-execution-service.test.ts
@@ -542,4 +542,135 @@ describe("task execution service", () => {
     expect(connection.transaction(() => execution.enqueueHeartbeatRuns())).toEqual([]);
     connection.close();
   });
+
+  test("provider-side usage-limit failures never consume the retry budget", () => {
+    const connection = createConnection();
+    const organization = new OrganizationService(connection.db);
+    const providers = new ProviderService(connection.db, providerAdapters, testVault);
+    const execution = new TaskExecutionService(connection.db, providers);
+    let orgId = "";
+    let providerId = "";
+    let agentId = "";
+    let taskId = "";
+
+    connection.transaction(() => {
+      orgId = organization.createOrganization({
+        organizationName: "Acme Operations",
+        employeeName: "Dana Lee",
+        mission: "Coordinate agents with auditable approvals.",
+        goal: "Ship a verified control plane.",
+      });
+      providerId = openAiProviderId(connection, orgId);
+      providers.saveCredential({ orgId, providerId, secret: "sk-live-provider", model: "gpt-5.4" });
+      agentId = organization.createAgent({
+        orgId,
+        name: "Ada",
+        role: "Execution lead",
+        department: "Engineering",
+        modelProviderId: providerId,
+        modelId: "gpt-5.4",
+        budgetCents: 10000,
+        managerAgentId: null,
+        heartbeatEnabled: true,
+      });
+      taskId = organization.createTask({
+        orgId,
+        title: "Draft launch checklist",
+        description: "Prepare an auditable checklist for release readiness.",
+        status: TASK_STATUS.IN_PROGRESS,
+        assigneeAgentId: agentId,
+        risk: RISK_LEVEL.MEDIUM,
+        projectId: null,
+        goalId: null,
+        workspaceId: null,
+        priority: TASK_PRIORITY.HIGH,
+        requiresFilesystem: false,
+      });
+      // Historical damage from a provider-account limit: three failed runs, all
+      // recorded with the raw provider verdict rather than the internal quota message.
+      const serviceIdentityId = (connection.db.prepare("select id from service_identities where org_id = ? and agent_id = ?")
+        .get(orgId, agentId) as { id: string }).id;
+      const insertFailedRun = connection.db.prepare(`
+        insert into task_runs(
+          id, org_id, task_id, agent_id, provider_id, provider_request_id,
+          execution_context_id, service_identity_id, workspace_mount_json, secret_scope_json,
+          trigger, state, created_at, started_at, completed_at, error_message
+        ) values (?, ?, ?, ?, ?, null, ?, ?, '[]', '{}', 'heartbeat', 'failed', ?, ?, ?, ?)
+      `);
+      const now = new Date().toISOString();
+      for (const index of [1, 2, 3]) {
+        insertFailedRun.run(`run_usage_fail_${index}`, orgId, taskId, agentId, providerId, `ctx_usage_${index}`, serviceIdentityId, now, now, now, "The usage limit has been reached");
+      }
+    });
+
+    const enqueued = connection.transaction(() => execution.enqueueHeartbeatRuns());
+    expect(enqueued).toHaveLength(1);
+    expect(connection.db.prepare("select task_id, state from task_runs where id = ?").get(enqueued[0]))
+      .toMatchObject({ task_id: taskId, state: "queued" });
+    connection.close();
+  });
+
+  test("a transient provider failure parks the provider and the cooldown expiry resumes it", async () => {
+    const connection = createConnection();
+    const organization = new OrganizationService(connection.db);
+    const fakeToolTurn = async (): Promise<AgentTurnResult> => {
+      throw new Error("The usage limit has been reached");
+    };
+    const providers = new ProviderService(connection.db, providerAdapters, testVault, undefined, fakeToolTurn);
+    let nowMs = Date.now();
+    const execution = new TaskExecutionService(connection.db, providers, undefined, undefined, () => nowMs);
+    let orgId = "";
+    let providerId = "";
+    let taskId = "";
+
+    connection.transaction(() => {
+      orgId = organization.createOrganization({
+        organizationName: "Acme Operations",
+        employeeName: "Dana Lee",
+        mission: "Coordinate agents with auditable approvals.",
+        goal: "Ship a verified control plane.",
+      });
+      providerId = openAiProviderId(connection, orgId);
+      providers.saveCredential({ orgId, providerId, secret: "sk-live-provider", model: "gpt-5.4" });
+      const agentId = organization.createAgent({
+        orgId,
+        name: "Ada",
+        role: "Execution lead",
+        department: "Engineering",
+        modelProviderId: providerId,
+        modelId: "gpt-5.4",
+        budgetCents: 10000,
+        managerAgentId: null,
+        heartbeatEnabled: true,
+      });
+      taskId = organization.createTask({
+        orgId,
+        title: "Draft launch checklist",
+        description: "Prepare an auditable checklist for release readiness.",
+        status: TASK_STATUS.IN_PROGRESS,
+        assigneeAgentId: agentId,
+        risk: RISK_LEVEL.MEDIUM,
+        projectId: null,
+        goalId: null,
+        workspaceId: null,
+        priority: TASK_PRIORITY.HIGH,
+        requiresFilesystem: false,
+      });
+    });
+
+    await expect(execution.runTask({ orgId, taskId })).rejects.toThrow("The usage limit has been reached");
+
+    // Parked: the worker skips the provider's queued runs and the heartbeat enqueues nothing new.
+    expect(execution.cooledProviderIds()).toEqual([providerId]);
+    expect(connection.transaction(() => execution.enqueueHeartbeatRuns())).toEqual([]);
+
+    // Cooldown over: the provider resumes and the task re-enqueues — the failure spent no budget.
+    nowMs += 11 * 60_000;
+    expect(execution.cooledProviderIds()).toEqual([]);
+    const enqueued = connection.transaction(() => execution.enqueueHeartbeatRuns());
+    expect(enqueued).toHaveLength(1);
+    expect(connection.db.prepare("select task_id, state from task_runs where id = ?").get(enqueued[0]))
+      .toMatchObject({ task_id: taskId, state: "queued" });
+    connection.close();
+  });
 });
diff --git a/tests/unit/task-queue-worker.test.ts b/tests/unit/task-queue-worker.test.ts
index 74636e4f..52413d50 100644
--- a/tests/unit/task-queue-worker.test.ts
+++ b/tests/unit/task-queue-worker.test.ts
@@ -50,4 +50,29 @@ describe("task queue worker claim", () => {
     expect(states).toEqual(["running", "running"]);
     connection.close();
   });
+
+  test("leaves runs of a cooling-down provider queued instead of claiming them", () => {
+    const connection = new DatabaseConnection(join(tmpdir(), `ac-queue-${randomUUID()}.db`));
+    const organization = new OrganizationService(connection.db);
+    let orgId = "";
+    let agentId = "";
+    let providerId = "";
+    let taskId = "";
+    connection.transaction(() => {
+      orgId = organization.createOrganization({ organizationName: "Acme", employeeName: "Dana", mission: "m", goal: "g" });
+      providerId = (connection.db.prepare("select id from providers where org_id = ? and provider_key = 'openai'").get(orgId) as { id: string }).id;
+      agentId = organization.createAgent({ orgId, name: "CEO", role: "CEO", department: "Executive", modelProviderId: providerId, modelId: "gpt-5.4", budgetCents: 25000, managerAgentId: null });
+      taskId = organization.createTask({
+        orgId, title: "Kickoff", description: "Start.", status: TASK_STATUS.BACKLOG, assigneeAgentId: agentId,
+        risk: RISK_LEVEL.LOW, projectId: null, goalId: null, workspaceId: null, priority: TASK_PRIORITY.NORMAL, requiresFilesystem: false,
+      });
+    });
+    const runId = seedQueuedRun(connection, orgId, taskId, agentId, providerId);
+
+    expect(claimNextQueuedRun(connection, [providerId])).toBeNull();
+    expect(connection.db.prepare("select state from task_runs where id = ?").get(runId)).toEqual({ state: "queued" });
+
+    expect(claimNextQueuedRun(connection, [])?.id).toBe(runId);
+    connection.close();
+  });
 });