GOD'S WORD® Translation
If the owner is with the animal, the borrower doesn't have to make up for the loss. If it is rented, the rental fee covers the loss.

American Standard Version
If the owner thereof be with it, he shall not make it good: if it be a hired thing, it came for its hire.

Berean Study Bible
If the owner was present, no restitution is required. If the animal was rented, the fee covers the loss.

Douay-Rheims Bible
But if the owner be present, he shall not make restitution, especially if it were hired and came for the hire of his work.

English Revised Version
If the owner thereof be with it, he shall not make it good: if it be an hired thing, it came for its hire.

King James Bible
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.

World English Bible
If its owner is with it, he shall not make it good. If it is a leased thing, it came for its lease.

Young's Literal Translation
if its owner is with it, he doth not repay, -- if it is a hired thing, it hath come for its hire.

Exodus 22:15 Additional Translations ...