Plain-English guides to the things insurance jargon won't tell you.
Written by the people who actually underwrite the policies — not a content team in another building. Everything from mortality coverage to what a major-medical claim really pays for, in language you can read at 11pm in a barn aisle.
Editor's picks
The guides we hand to every new owner.
If you only read a few things on this site before buying or renewing a policy, make it these. They're the ones our claims team wishes everyone had read first.
Colic in Horses: Symptoms, Causes, and Prevention
Colic is a term used to describe abdominal pain in horses and can arise from various causes. Johanna Habbe, an experienced horse veterinarian from Agria Vårdguide, provides insights on identifying early signs of colic and managing this common equine emergency.
Equine-Specific Needs: Pioneering the Future of Farm and Ranch Insurance
Running a ranch or farm is inherently tied with unpredictability. Factors like changing weather, fluctuating crop rates, and equipment functionality are hard to control. However, introducing a horse into the equation intensifies the complexity. Your beloved equine is not just any asset; it's a creat
Understanding Equine Insurance: 5 Things Every Horse Owner Should Know
Equine insurance doesn't have to be confusing. Here are the five things every horse owner should understand before choosing a policy — from full mortality cover to major medical add-ons.
The library
Browse every guide, or narrow by topic.
Pick a category, search by keyword, or scroll. Each guide is tagged with the product it relates to and the audience it's written for.
Colic in horsesColic in Horses: Symptoms, Causes, and Prevention
Colic is a term used to describe abdominal pain in horses and can arise from various causes. Johanna Habbe, an experienced horse veterinarian from Agria Vårdguide, provides insights on identifying early signs of colic and managing this common equine emergency.
Read guideEquine-Specific NeedsEquine-Specific Needs: Pioneering the Future of Farm and Ranch Insurance
Running a ranch or farm is inherently tied with unpredictability. Factors like changing weather, fluctuating crop rates, and equipment functionality are hard to control. However, introducing a horse into the equation intensifies the complexity. Your beloved equine is not just any asset; it's a creat
Read guideChoosing the right coverUnderstanding Equine Insurance: 5 Things Every Horse Owner Should Know
Equine insurance doesn't have to be confusing. Here are the five things every horse owner should understand before choosing a policy — from full mortality cover to major medical add-ons.
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What you'll find here
Insurance can be complex. The guides exist to make it simple.
Every guide on this page is written or reviewed by a Bascule underwriter or claims adjuster — the same people who'd answer the phone if you called. No SEO filler, no recycled glossary entries. If a sentence isn't useful at the kitchen table or in front of a horse, we cut it.
We update them every month, mark the agent-only ones clearly, and tell you up front if a guide covers something we don't underwrite. The aim is for an owner to be able to read three of these and understand their policy as well as their agent does.
"The single biggest reason claims slow down is that nobody read the policy before the emergency. These guides exist so that doesn't happen to you."
Jessica Parker · Claims Manager, Bascule Underwriting
Buying advice, claims walkthroughs, glossary entries that don't read like one. Aimed at horse owners and farm operators.
Plain-English coverage explainers.
Underwriting deep-dives, market notes, and the reading we run our own desk on.
Working notes from the desk.
Written so you don't need an attorney to understand your own policy.
by underwriters & adjusters