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But if the owner is with the animal, the borrower will not have to pay. If the animal was hired, the money paid for the hire covers the loss.
Bible > Exodus > Chapter 22 > Verse 15
"the owner of the pit must pay for the loss; he must pay its owner, and the dead animal will be his." -
"However, if it was known that the bull had the habit of goring, yet the owner did not keep it penned up, the owner must pay, animal for animal, and the dead animal will be his." -
"But if the animal was stolen from the neighbor, he must make restitution to the owner." -
""If a man borrows an animal from his neighbor and it is injured or dies while the owner is not present, he must make restitution." -
"If it was torn to pieces by a wild animal, he shall bring in the remains as evidence and he will not be required to pay for the torn animal." -