All this insurance B.S is just getting way out of hand ...... can't people just take responsibility for their own actions and realise that Hey, playing with horses can be dangerous !!! An old saying that is really relevent with all that is happening today with litigation, goes something like this: Round up all the lawyers & shoot them and the world would be a better place !!! For heavens sake, if I never see another disclaimer for horse related events, I'd be happy...... What ever happened to common sense and understanding that what we do with our horses can be fraught with danger. I couldn't imagine the mentality of someone who sues a club run by volounteers for taking a spill off their horse at an event or club day or clinic. Unfortunately the sad reality is our society is full of people who can't, won't & wouldn't dream of taking responsibility for their own action. Much easier to BLAME someone else ??? Hence, lots of very wealthy insurance salesmen & lawyers and lots of very cautious club & event organisers hoping they dotted the I's & crossed the Tee's. So the big question then, WHO IS REALLY RESPONSIBLE FOR WHERE WE ARE TODAY ??? "Appaloosa's aren't mad, it's just their owners"