When I was still regularly riding my present retiree, I OFFERED to let some of my co-workers ride him. There was another horse I could borrow to ride out with them, and my guy was absolutely beginner safe. A couple of women with whom I work, one of whom had evented as a pony clubber, and another who was not a rider, but very athletic (wind-surfer) both came out and very much enjoyed their trial rides on him.
But to be TOLD someone was going to come out and ride - nope, not even on Old Reliable. The insurance excuse is always the best, I think.
However, no one has asked, and I have not offered, any rides on my 4.5 year old. I think the day I limped in, after he had exploded three strides after I got on him to ride the night before, discouraged THAT. He’s much better now, but he’s still a work in progress and definitely not suitable for anything less than an intermediate-to-advanced rider at this stage. I don’t think any one would DARE ask, let alone TELL me they were going to ride him.
I find most non-riders are timid about horses, not over-confident that they can handle it just because they once went on a trail ride. I can’t count the number of times I’ve been told the, “Once I rode a horse and it ran off/tried to scrape me off on a tree/rolled with me and I never want to ride again and am afraid of them” tale.