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hello I'm Charles Brown the designated broker of tram city property management and I would like to talk about the MIT property management agreement and specifically one clause in the agreement called the indemnification clause this is where we ask the owner or require the owner to hold us harmless in the event of an occurrence at the property where both the property manager and the owner are sued this could be a random event occurring by a tenant injury or someone visiting their property and being injured and in a lot of different ways and there may not be any specific negligence yet there may still be a lawsuit if you don't have us named as additional insured on your rental dwelling policy then you could be responsible for our legal costs to defend ourselves that's why we ask you to name us as additional insured in the rental dwelling policy and some insurance companies even name the property manager or cover the property manager automatically as part of their policy State Farm is on...