Originally Posted by allflashypine
If anyone knows what I'm talking about how can I get around this without getting my farm taken away from me if someone got hurt.
Simple answer - there is NO way to "get around" it. That's what the insurance policy is for. Any shortcut you take now could cost you everything in a lawsuit.
Even with a written agreement/liability waiver, people can still sue (and get a good settlement or win). Remember, the plaintiff hires their lawyer on contingency (they work for a percentage of the award). The defendent hires a lawyer on a fee basis, which can potentially bankrupt you even if you win!
Don't even THINK of doing something like this without insurance (and all the proper legal steps. For example, you may want to incorporate if you are running boarding business to further protect yourself from personal liability. Talk to a lawer.) The risk is just too great.
On the bright side, $2,000/month sounds way to high for what you describe. You should shop around more. Ideally, you should find a local agent that knows what they are doing so you could be classified properly and get a more realistic rate.