My instructor used to board horses, but I've heard of people ditching their horses at smaller farms. This is what happened with his last boarder. She couldn't afford Dreamer anymore, and once the boarder got pregnant, she stopped coming. My instructor offered to reduce her board for cleaning stalls, but she just stopped coming. She probably saw it as a nice home for Dreamer, knowing my instructor would never have the heart to sell her to the auction.
However, the other boarders he had always worked out well. However, one person, behind my instructor's back bred his stallion to their mare. The mare had a stillborn since it had no vet care. :(
He did not have insurance, but had them sign a waiver.
Intermediate Rider~Learning Equitation and English Pleasure~Interested in Eventing
A horse will tell you everything you need to know about him, if you listen.