“If you don’t know a single thing about horses, you probably still know enough to stay away from the back end of one,” drawls Bill Richey.

The law regarding releases of liability (also known as “waivers”) has become tremendously complex. Gone are the days when a 16- word document can dismiss a personal injury lawsuit, thanks to numerous state statutes and court cases.

Horses sometimes experience mouth or tongue injuries, such as punctures from sharp objects, an accident with a bit, something jammed between the teeth or a broken tooth.