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.
NIV
But if the owner is with it [when the damage is done], the borrower shall not make it good. If it is a hired thing, the damage is included in its hire.
AMP
But if the owner thereof be with it, he shall not make it good: if it be an hired thing, it came for his hire.
KJV
It will be the same for priest as for people, for master as for his servant, for mistress as for her servant, for seller as for buyer, for borrower as for lender, for debtor as for creditor.
NIV
And it shall be--as [what happens] with the people, so with the priest; as with the servant, so with his master; as with the maid, so with her mistress; as with the buyer, so with the seller; as with the lender, so with the borrower; as with the creditor, so with the debtor.
AMP
And it shall be, as with the people, so with the priest; as with the servant, so with his master; as with the maid, so with her mistress; as with the buyer, so with the seller; as with the lender, so with the borrower; as with the taker of usury, so with the giver of usury to him.
KJV