Exodus 22:14-15

14Your neighbour might lend one of his animals to you to do some work. Something bad might happen to the animal while its owner is not with it. It might die, or something might hurt it. Then you must pay your neighbour for the loss of the animal.

15But if the owner is with his animal when something bad happens to it, you do not have to pay anything. And if you already paid your neighbour some money to use his animal, that will be enough to pay him for the loss.