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In this tutorial, Rob Freeman explains the concept of a "hold harmless" clause in contractual agreements. A hold harmless clause is a legal provision that transfers responsibility for certain liabilities from one party to another. It is commonly found in various contracts, such as leases between landlords and tenants or construction agreements involving owners, general contractors, and subcontractors. For example, a lease might include a clause stating that the tenant agrees to indemnify, defend, and hold the landlord harmless from claims of bodily injury or property damage related to the tenant's actions. Understanding this clause is crucial in the context of insurance and legal protections in contractual relationships.