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In this tutorial, Rob Freeman discusses the concept of a "hold harmless" clause, which is frequently found in contractual agreements among multiple parties, such as leases between landlords and tenants or construction agreements involving owners, general contractors, and subcontractors. The hold harmless clause functions to shift liability or responsibility from one party to another. For instance, in an office lease, there might 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 resulting from the tenant's actions. Understanding this clause is essential in the context of insurance and legal agreements.