We are working with pppoe accounts that are rate limited already, furthermore we rate limit P2P traffice. Businesses dont uses P2P so I dont want them to suffer from rate limited P2P apps. They sometimes use vpn apps that are seen as P2P apps.
How you are limiting clients ?
you may mangle required traffic and set limits for that, and other traffic (limits are not required) mark with another mark, and do not configure any limits for that.