It would be simple to attach a hold harmless clause to anything one does, but the clause can only be enforced if the company or individual gives a fair assessment of the risk involved and all parties are aware and prepared. These concepts should be made explicit with detailed language. (UpCounsel)

Having said that, some insurers in the marketplace acknowledge the fact that indemnity and hold harmless clauses are common negotiating tools in commercial contracts and so, notwithstanding the fact that such clauses have the effect of waiving some or all of the insurer’s subrogation rights, specifically provide by way of an extension that such clauses will not prejudice the insured’s claim under the policy. (CRM Brokers)

According to a recent insurance company publication, "when hiring independent contractors, it has always been important for community associations to obtain hold harmless clauses in contracts. These clauses can protect the association's interests against allegations that the contractor failed to properly provide services." (Washington Post)