As we all know, accidents sometimes happen despite careful planning and numerous precautions. The agreements you make prior to the event may dictate who is legally responsible for the injury. The most common document containing risk-allocating language is the lease. Commercial leases usually include hold harmless agreements. Some contain additional insured endorsement requirements and waivers of subrogation. In this booklet, we use the lease as an example to discuss these legal concepts and provisions. However, you could very well find these same terms in other contracts. The basic concepts and definitions remain, they are simply applied to a different set of facts. If you have questions about a contract and the potential effect of its terms, you should contact an attorney for legal assistance.