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In this tutorial, Rob Freeman discusses the concept of a "hold harmless" clause in insurance and contractual agreements. A hold harmless clause is commonly found in contracts, such as leases between landlords and tenants or construction agreements among owners and contractors. It serves to shift responsibility from one party to another. For instance, in a lease for an office building, there may be a clause stating that the tenant agrees to indemnify, defend, and hold the landlord harmless against any claims of bodily injury or property damage that arise from the tenant's actions. This clause is significant as it defines liability and protects parties in legal agreements.
