This is an interesting discussion. I don’t know if I’d have thought much of it. If, like
said, I did something dumb like let a horse step on a rein, I would definitely pay for it. If something was half rotted and broke under normal use I would apologize, but I am not sure if I’d offer to pay for it. I guess I might, and I would if they asked me to, but I really wouldn’t consider it my fault and I might be annoyed if I did pay for it.
I say this probably because I wouldn’t expect someone else to pay for my tack. Even if a friend came over and decided to tie up a horse with my best bridle, I wouldn’t let her pay for it. I guess I would just take responsibility for letting that person use my tack. If they took it away from me though, borrowing it, I would expect to receive it back in the same or better condition. If returned broken or not returned at all I would still take responsibility, but I might not have the same value of said person anymore.
As far as a horse getting hurt... that one is tough! I guess I wouldn’t expect anyone to pay for the horse. Horses have accidents, and one should expect such things. That said, I guess a person should be finicky about who is using their horse, because if you allow someone to take your horse (friend in need of horse, trainer, etc) you had better trust them. It is terrible when a horse comes back in bad shape.
As far as if someone gets hurt, no I wouldn’t offer to pay. Here is where you better trust the person you put on your horse again. I don’t want to be sued, and I don’t know how that would work. I would never put a person on a horse I thought above their skill level, but things do happen I know. Even the gentlest horse can spook. If I knew a person was apt to place the blame on others, or looking for an easy way out of things, I would not let them ride. I probably wouldn’t enjoy them anyways.