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In this tutorial, Rob Freeman explains the concept of a "hold harmless" clause, which is a common legal provision found in various contractual agreements, such as leases between landlords and tenants or construction agreements involving multiple parties. The primary function of a hold harmless clause is to shift responsibility for certain liabilities from one party to another. For instance, in a commercial lease, a typical clause may state that the tenant agrees to indemnify, defend, and hold the landlord harmless against any claims related to bodily injury or property damage arising from the tenant's actions. Understanding this clause is essential in the realm of insurance and liability management.