02-01-2012, 11:52 PM
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Depending on your state's laws, I think it's fine for you to teach under the stable owner's supervision if she has the appropriate liability insurance. What this really means is that the stable owner accepts all the liability for having you teach.
It's highly unlikely that you personally would be sued, as you have no assets in your own name. Not impossible, anyone can sue anyone for anything,but highly unlikely as there would be little to gain from it.
Just to clarify, I am not a lawyer and that is not a legal opinion. However, I started out teaching exactly that way at your age, and every large lesson program or camp or Pony Club has teenagers assist with some of the teaching duties, with appropriate supervision. And I certainly had my own teenage students assist with beginner lessons or warmups at shows, and we had a very detailed comprhensive liability policy.
Good luck to you!