It would be interesting to see if there had been any previous helo activity as horses get pretty used to things. I used to be a daily visitor to RAF Northolt when there were up to 16 horses stabled and non displayed any adversity to the aircraft, including zeppelins etc. I think she may have a job proving this as will possibly have to establish negligence as if the aircraft was flying within its legal and designated parameters there should be no problems. I feel for her as horsey myself (apologies for those of you who find us tyrants) and have experienced many situations were horses react pretty violently. I agree whole heartedly with the insurance issue and since I think there is strict liability with animals, also find it unbelievable that noone would insure. The case law recently on this, notably Mirvahedy -v- Henley and Another 2001 emphasises this.