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[Music] hey everybody i'm rob freeman and welcome back to ensuring the built environment this week we're answering the question what is a hold harmless and why is it important in the world of insurance well a hold harmless is a common legal clause that you'll find in contractual agreements that are between multiple parties so you may have an example would be like a lease between a landlord and a tenant or another example would be in a construction agreement between say an owner and a general contractor or subcontractor or all three and what a hold harmless does is it essentially shifts responsibility away from one party onto another party and it's a very common thing to find in a lease for instance in if you have a lease in an office building you may find there's a clause in there which says something to be effective the tenant agrees to indemnify defend and hold the landlord harmless in the event of any claims of bodily injury and property damage that might arise out of the tenant's...
