I loan a pony. In the contract, it states what he spoons at. Obviously, if we were responsible for the spook and he was injured, we would have to pay. Is it the same if someone else (i.e another boarder at the stables) was responsible for the spook?
Example: If he (he isn't) was scared of babies, and we bought a baby in and he spooked and injured himself, we would have to pay for treatment. But if another boarder, who didn't know, came in with one and he spooked and injured himself, would they pay? Would his real owner? Or would we because we were in charge if him at the time?