Regardless of whether or not it is a requirement of their insurance policy, it is the barn owner's rule and you need to respect it and respect the barn owner. If you can discuss this tactfully and maturely with the owner, then it wouldn't hurt to do so (like alwaysbehind said). You are accomplishing nothing by asking this question in a chat forum because the bottom line is that it is the decision of the barn owner and if you are rude to him/her and come back with a "I know I can..." because the chat-forum people "told you so", you can bet the answer will be no, regardless of insurance.
Additionally, I am am very surprised it is 16, as well, because you can not legally sign a contract and have it be binding until you are 18: the law doesn't consider you capable of making binding decision like that.
Last edited by leonalee; 08-25-2010 at 12:31 PM.