We write mortality, farm & ranch, and workers' comp insurance specifically for horses, the people who own them, and the businesses built around them. With staff nationwide, A-rated paper, and underwriters who can talk through a colic claim because they've sat through one themselves.
What we do
Three short answers to the three questions every new agent and horse owner asks us. No buzzwords, no "comprehensive solutions" — just what we actually do.
Most general carriers treat horses as a footnote on a farm policy. We don't. Equine mortality, major medical, surgical and colic coverage are our core book — and we know the breeds, uses, and conditions inside out.
We provide US Admitted paper and write business across all 50 states. Wherever your horse is stabled in the US, we can usually find a way to cover it.
Bascule writes through a network of independent retail agents across the US. We don't sell direct, and we don't compete with the agents who place our business. If you're a horse owner reading this, your next step is finding the agent nearest to you — we'll help you do that.
The numbers
How we operate
Who pays your claim. Where we can write. Who picks up the phone. Five things every agent and owner should know before they place business with us.
We write through several A-rated carriers — all rated by AM Best. Your policy is secured against carriers who pay claims.
We can write business almost anywhere in the lower 48. Some products are not available in Alaska or Hawaii — your agent will confirm.
When you call Bascule, you don't get bounced between departments. The team that quoted the policy is the team that handles the claim.
Colic doesn't wait for office hours. Our emergency claims line answers any time — call +1-877-474-5006 and press 1.
Renewals on Bascule policies usually only need a Declaration of Health, not a full vet certificate. We've cut the paperwork wherever we can.
The team
Leadership built the firm. The underwriting desk runs the book. Both are reachable directly — no portals, no ticketing systems, no "your call is important to us".
Co-founded Bascule on the belief that the equine industry deserved a specialist underwriting company built exclusively for horses. After years with a large insurer where equine was just one part of the business, Will and Sarah set out to create a company focused entirely on the needs of equine clients, agents, and their horses.
PO Box 2502 Westfield, NJ 07090 United States
Talk to Bascule
Most owners reach us through their agent. If you don't have one yet, we'll connect you to the agent nearest your operation. Emergency claims answered 24/7 on the main line.