Hold Harmless Agreement Template

A free hold harmless agreement template that shifts responsibility for third-party claims, defense costs, and losses from one party to the other. Download in PDF or Word, choose the form of indemnity, and sign.

Last updated: August 5, 2026

What Is a Hold Harmless Agreement?

A hold harmless agreement, usually paired with an indemnity obligation, is a risk-shifting contract. One party — the indemnitor — agrees that if a third party brings a claim connected to the covered work or activity, the indemnitor will defend the other party, pay any judgment or settlement, and absorb the legal costs. It does not resolve an existing dispute between the two signers; it allocates in advance who carries the financial consequences of claims that come from outside.

These agreements come in three commercial flavors. A broad form makes the indemnitor responsible even for losses caused by the indemnitee's own negligence. An intermediate form covers everything except the indemnitee's sole negligence. A limited or comparative form makes each party responsible only for its own share of fault. Many states restrict or void broad-form indemnity in construction and some other contexts through anti-indemnity statutes, so choosing the right form is not a stylistic decision — it determines whether the clause survives at all.

When to Use This Template

  • A contractor, vendor, or subcontractor is performing work on property you own or control
  • You are allowing an event, filming, delivery, or third-party access to your premises
  • Equipment, a vehicle, or a facility is being borrowed, rented, or lent
  • A property owner or general contractor requires downstream indemnity and additional insured status
  • You need defense costs covered from the first day of a claim, not just after a judgment
  • A vendor relationship creates exposure to customer or bystander claims you did not cause

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Full text of the template. Fields in [BRACKETS] are placeholders you fill in.

Hold Harmless Agreement

  1. 1. 1. Parties

    This Hold Harmless and Indemnity Agreement (the "Agreement") is made effective as of [EFFECTIVE DATE] between [INDEMNITOR NAME], a [ENTITY TYPE OR INDIVIDUAL] located at [INDEMNITOR ADDRESS] (the "Indemnitor"), and [INDEMNITEE NAME], a [ENTITY TYPE OR INDIVIDUAL] located at [INDEMNITEE ADDRESS] (the "Indemnitee"). References to the Indemnitee include its owners, officers, directors, members, managers, employees, agents, lenders, property managers, parent and affiliated entities, successors, and assigns (collectively, the "Indemnified Parties"). Each Party represents that the person signing below has authority to bind it.

  2. 2. 2. Covered Activity, Work, or Premises

    This Agreement applies to the following activity, work, or use (the "Covered Activity"): [DESCRIPTION OF WORK, EVENT, EQUIPMENT USE, OR ACCESS], performed or occurring at [LOCATION OR PREMISES ADDRESS] between [START DATE] and [END DATE]. The Covered Activity includes all acts and omissions of the Indemnitor and of its employees, agents, subcontractors, suppliers, guests, and anyone else acting on its behalf or at its invitation in connection with the Covered Activity. This Agreement is [SELECT — a standalone agreement / incorporated into the [UNDERLYING CONTRACT TITLE] dated [DATE]] and, where incorporated, supplements rather than replaces the indemnity provisions of that contract.

  3. 3. 3. Indemnification

    The Indemnitor will indemnify and hold harmless the Indemnified Parties from and against any and all claims, demands, suits, causes of action, judgments, settlements, fines, penalties, liens, damages, losses, and expenses, including reasonable attorney fees, expert fees, and court costs, arising out of, resulting from, or in any way connected with the Covered Activity, including claims for bodily injury, sickness, death, property damage, damage to the work itself, economic loss, and violation of law or ordinance. This obligation applies whether the claim is brought by a third party, an employee of the Indemnitor, a governmental authority, or any other person, and applies regardless of whether the claim is ultimately found to be meritless.

  4. 4. 4. Form of Indemnity and Fault Allocation

    SELECT ONE FORM. Broad form: the Indemnitor indemnifies the Indemnified Parties for all claims connected with the Covered Activity, including claims caused in whole or in part by the negligence of the Indemnified Parties, to the fullest extent permitted by applicable law. Intermediate form: the Indemnitor indemnifies the Indemnified Parties for all claims except those caused by the sole negligence or willful misconduct of an Indemnified Party. Limited or comparative form: the Indemnitor indemnifies the Indemnified Parties only to the extent that a claim is caused by the negligent acts or omissions of the Indemnitor or those acting on its behalf. The form selected by the Parties is: [BROAD / INTERMEDIATE / LIMITED]. If applicable law prohibits the selected form, this Agreement will be enforced to the maximum extent that law allows, and the next narrower form applies automatically.

  5. 5. 5. Duty to Defend and Control of Defense

    The duty to defend is separate from and broader than the duty to indemnify, and arises as soon as a claim is asserted, without waiting for a determination of liability. On written notice from an Indemnified Party, the Indemnitor will promptly assume the defense of the claim using counsel reasonably acceptable to the Indemnified Party and will pay all defense costs as they are incurred. The Indemnitor may not settle any claim in a way that imposes an obligation on, admits fault by, or restricts the conduct of an Indemnified Party without that party's prior written consent. If the Indemnitor fails to assume the defense within [DEFENSE ASSUMPTION PERIOD, e.g., 15 days] of notice, the Indemnified Party may defend the claim with counsel of its own choosing and recover all resulting costs from the Indemnitor on demand.

  6. 6. 6. Notice of Claim and Cooperation

    An Indemnified Party seeking indemnity will give the Indemnitor written notice of the claim within [CLAIM NOTICE PERIOD, e.g., 30 days] after becoming aware of it, together with copies of the pleadings, demands, or correspondence received. Failure to give timely notice reduces the Indemnitor's obligation only to the extent the Indemnitor is actually prejudiced by the delay. Each Party will cooperate reasonably in the investigation and defense of any claim, will preserve relevant documents and evidence, and will make personnel available for interviews, depositions, and testimony. The Parties will cooperate to preserve applicable privileges and, where useful, will enter a joint defense agreement.

  7. 7. 7. Insurance Requirements

    The Indemnitor will maintain, at its own cost and throughout the Covered Activity, at least the following coverage: commercial general liability of [CGL LIMIT, e.g., $1,000,000 per occurrence and $2,000,000 aggregate]; automobile liability of [AUTO LIMIT] where vehicles are used; workers compensation at statutory limits and employer liability of [EMPLOYER LIABILITY LIMIT]; and [ADDITIONAL COVERAGE, e.g., umbrella, professional liability, pollution]. The Indemnified Parties will be named as additional insureds on a primary and non-contributory basis for ongoing and completed operations, and the Indemnitor will deliver certificates of insurance and endorsements before the Covered Activity begins and on each renewal. The Indemnitor will give [CANCELLATION NOTICE, e.g., 30 days] written notice before any cancellation or material reduction in coverage.

  8. 8. 8. Insurance Does Not Limit Indemnity

    The indemnity obligations in this Agreement are independent of, and are not limited by, the amount, scope, or availability of any insurance carried by the Indemnitor or by any Indemnified Party. A denial of coverage, an exhausted policy limit, a deductible or self-insured retention, or the insolvency of an insurer does not reduce or excuse the Indemnitor's obligations. Amounts actually paid by insurance in satisfaction of a claim reduce the Indemnitor's payment obligation for that same loss to avoid double recovery. The Indemnitor will pay any deductible or self-insured retention applicable to a claim covered by this Agreement.

  9. 9. 9. Waiver of Subrogation

    To the extent permitted by applicable law and by the terms of its policies, each Party waives all rights of subrogation and recovery against the other Party and its insurers for loss or damage to the extent that loss is covered by insurance carried by the waiving Party in connection with the Covered Activity. Each Party will obtain any endorsement required to make this waiver effective and will provide evidence of it on request. This waiver applies whether or not the loss is caused by the fault or negligence of the other Party, and it does not affect the indemnity obligations stated elsewhere in this Agreement.

  10. 10. 10. Exclusions and Statutory Limits

    This Agreement does not require the Indemnitor to indemnify an Indemnified Party against loss caused by the sole negligence, gross negligence, willful misconduct, or intentional wrongdoing of that Indemnified Party, and does not apply to any obligation the law prohibits from being shifted by contract. The Parties acknowledge that some states restrict or void indemnity for a party's own negligence in construction, transportation, and certain other contracts, and that this Agreement will be construed and enforced to the fullest extent permitted rather than being invalidated as a whole. Additional excluded matters are: [EXCLUSIONS, e.g., pre-existing conditions on the premises, hazardous materials present before the Covered Activity, or "None"].

  11. 11. 11. Duration, Survival, and Assignment

    This Agreement takes effect on the Effective Date and continues throughout the Covered Activity. The indemnity, defense, insurance, and cooperation obligations survive completion of the Covered Activity and the expiration or termination of any related contract, and continue until the last applicable statute of limitations or statute of repose has expired for any claim arising out of the Covered Activity. Neither Party may assign this Agreement without the prior written consent of the other, except to a successor acquiring substantially all of its assets, and this Agreement binds and benefits the Parties and their permitted successors and assigns.

  12. 12. 12. Governing Law and General Provisions

    This Agreement is governed by the laws of the State of [GOVERNING STATE], without regard to conflict of laws rules, and any action will be brought in the courts located in [VENUE COUNTY AND STATE]. This Agreement is the entire agreement of the Parties on the subject of indemnity for the Covered Activity and may be modified only in a writing signed by both Parties. If any provision is held unenforceable, it will be reformed to the minimum extent necessary to make it enforceable and the remaining provisions stay in effect. No failure to enforce a provision on one occasion waives it later, and the prevailing Party in any action to enforce this Agreement may recover reasonable attorney fees and costs.

  13. 13. 13. Signatures

    By signing below, each Party confirms that it has read this Agreement, understands the risk it allocates, and agrees to be bound as of the Effective Date. INDEMNITOR: [INDEMNITOR NAME]. Signature: ______________________. Printed Name: [SIGNER NAME]. Title: [TITLE]. Date: [DATE]. INDEMNITEE: [INDEMNITEE NAME]. Signature: ______________________. Printed Name: [SIGNER NAME]. Title: [TITLE]. Date: [DATE]. This Agreement may be executed in counterparts, and electronic or scanned signatures have the same effect as originals.

  14. 14. Disclaimer

    This template is provided for general informational purposes only and is not legal advice. Indemnity and hold harmless clauses are heavily regulated by state law: many states have anti-indemnity statutes that void or limit agreements requiring one party to indemnify another for its own negligence, particularly in construction, oil and gas, and transportation contracts, and some require conspicuous language or specific wording to be enforceable. Insurance requirements should be reviewed with your broker, since an indemnity your insurer will not cover leaves you personally exposed. Consult a licensed attorney in your state before relying on this document. Use of this template does not create an attorney-client relationship with ScanContract.

Key Clauses Explained

What each important clause does — and what to watch out for before you sign.

Indemnification

Requires one party to cover judgments, settlements, and losses from third-party claims tied to the covered activity.

Read the trigger language closely. "Arising out of or in any way connected with" is far broader than "caused by the negligence of," and it can capture claims where the indemnitor did nothing wrong. If you are signing as indemnitor, push the trigger toward causation and your own acts.

Form of Indemnity (Broad, Intermediate, Limited)

Sets whether the indemnitor covers the indemnitee's own negligence, partly or not at all.

A broad-form clause makes you pay for the other side's mistakes, and in many states it is unenforceable in construction contracts — which means you may be relying on protection that evaporates in court. Confirm which form your state permits before choosing, and include the savings language that steps down to the next narrower form.

Duty to Defend

Obligates the indemnitor to pay for defense from the moment a claim is filed, regardless of outcome.

The defense obligation is usually the expensive one, because it applies even to claims that turn out to be groundless. Indemnitors should check whether defense costs are advanced or reimbursed and whether they get to choose counsel. Indemnitees should insist on a deadline for assuming the defense with a self-help remedy if it is missed.

Notice of Claim and Cooperation

Sets how quickly a claim must be reported and how the parties work together on the defense.

A short notice period paired with an absolute forfeiture is a trap. Prefer language that reduces the obligation only to the extent late notice actually prejudiced the indemnitor. On the other side, real deadlines matter for preserving insurance coverage, so do not treat notice as a formality.

Insurance and Additional Insured Status

Requires the indemnitor to carry coverage and to name the indemnitee as an additional insured.

Additional insured status and indemnity are not the same protection, and a certificate of insurance is not an endorsement. Ask for the actual endorsement naming you, on a primary and non-contributory basis, and confirm the coverage extends to completed operations if the work could cause a problem after it is finished.

Insurance Does Not Limit Indemnity

Keeps the indemnity obligation alive even when coverage is denied or limits are exhausted.

Indemnitors should understand this is the clause that turns a business obligation into a personal balance sheet risk. If your insurer will not cover contractual liability of the type you are accepting, you are the insurer. Ask your broker to review the indemnity language before signing, not after a claim.

Survival and Duration

Extends the indemnity past completion of the work through the applicable limitations period.

Obligations that outlive the project by years are easy to overlook, especially for small businesses that let coverage lapse after a job ends. If completed-operations claims are realistic in your trade, plan to maintain the insurance that backs this promise for as long as the promise lasts.

Frequently Asked Questions

What is the difference between a hold harmless agreement and a release of liability?
A release settles claims the signer already has against the other party for something that has happened. A hold harmless agreement is forward-looking and outward-facing: it decides who pays when a third party brings a claim connected to the covered work or activity. You can sign both in the same transaction, but they solve different problems and neither substitutes for the other.
What is the difference between hold harmless and indemnify?
In practice the two are usually written together and courts often treat them as substantially overlapping. The traditional distinction is that "indemnify" means reimbursing losses the other party has paid, while "hold harmless" means protecting them from being exposed to the loss in the first place, including claims that never mature into a judgment. Adding an express duty to defend is what makes the difference practical.
Are hold harmless agreements enforceable?
Generally yes between businesses, subject to significant state-law limits. Many states have anti-indemnity statutes that void clauses requiring a party to indemnify another for that other party's own negligence, particularly in construction contracts, and some require the clause to be conspicuous or to use specific wording. Indemnity for gross negligence, willful misconduct, or criminal acts is typically unenforceable everywhere.
Which form of indemnity should I use?
If you are the party requiring indemnity, ask for the broadest form your state allows and include savings language that steps down automatically if it is challenged. If you are the party giving it, aim for the limited or comparative form, where you are responsible only for the share of fault attributable to you and your people. The intermediate form is the common negotiated middle.
Do I still need insurance if I have a hold harmless agreement?
Yes. An indemnity promise is only as good as the finances of the party making it, and a signed agreement collects nothing from a company that has folded. That is why these documents pair indemnity with specific coverage limits and additional insured endorsements. Ask for the endorsement itself rather than just a certificate, and verify the policy actually covers contractual liability.

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