Spinnaker has submitted a filing in Oregon to introduce its Bascule farm program, a multi-line offering targeting farm and equine risks. The filing was submitted on February 20, 2026, with an effective date requested on approval and is currently pending.

The program combines Agricultural General Liability, Agricultural Excess Liability, Farm Inland Marine, and Farmowners coverage, and is built primarily on American Association of Insurance Services forms, rules, and loss costs, with proprietary endorsements and company-specific exceptions.

Coverage is designed for equine-focused operations and related farm exposures. Key components include equine professional services liability for instructional, training, and event activities; care, custody, and control coverage for non-owned horses; and private horse liability for owned or leased animals. Additional endorsements address exposures such as riding instruction, boarding, breeding, events, recreational vehicles, and broader agricultural operations.

The filing also introduces cyber exclusions across liability and excess lines and establishes separate aggregate limits for equine professional services claims.

Distribution will be handled through Bascule Insurance Services, positioning the program as a specialty solution for farms with equine operations and diversified liability exposures.