I am another person who uses my insurance as an excuse. “Oh, I am so sorry, my insurance does not cover that.”
Then I give them the name of some lesson places.
Many many years back when I boarded and I had an appropriate horse I did have some of the people from work come out with their kids to do pony rides. It was funny. The one lady could not stop complaining that it was dirty there (in the barn aisle, in the indoor ring). Um. Yes, it is a barn with large hairy critters living in it, there is some dirt involved.