A hold harmless agreement (also called an indemnity agreement) goes further than a waiver — the indemnifying party actively agrees to defend and compensate the other party if claims arise. This is common in contractor relationships, property access licences, and business partnerships.

• Cannot exclude liability for death or personal injury due to own negligence (UCTA 1977)
• Consumer contexts: Unfair Contract Terms Act 1977 and Consumer Rights Act 2015 restrict these
• Mutual vs one-way: define who is indemnifying whom
• Insurance: the indemnifying party should have adequate insurance to back the indemnity
• Specify which losses are covered — unlimited indemnities are risky

Legal reference: Unfair Contract Terms Act 1977; Consumer Rights Act 2015; Contracts (Rights of Third Parties) Act 1999