I have 40 acres around my house to keep my horses in a pasture/shelter setting, also have a couple of big pens with shelters. I always winter a couple of foals at home to have something to do during the winter when it is in general too cold to ride. I usually buy them in fall and sell them in spring, which barely covers the feed bill, but I love to play with them :)
Now, somebody asked me if I would winter her foal at my place for a monthly boarding fee. This fee would only cover the feed bill (again) but would be a bit more cash then I usually get when I buy and sell my own foal, so this is kind of interesting to me (get paid for playing with somebody elses foal ). However - since I am not a boarding business I do, of course, not carry any liability insurance. The foal is insured by the owner, as far as I understand, but what would happen if the foal gets injured and somebody decides it's my fault? Am I liable or is there a way to get around this (like a waiver)? The foal is a pretty expensive one (wild guess: around $10,000).