保险与留置权第 1486 / 1632 题

An indemnity (hold-harmless) clause in a construction subcontract typically operates to:

a.Transfer the project's schedule and delay risk
b.Remove any need for either party to carry insurance at all
c.Waive the owner's right to a mechanics lien release
d.Shift specified liability from indemnitee to indemnitor

解析

An indemnity or hold-harmless clause reallocates liability: the indemnitor promises to answer for, and usually to defend, specified claims that would otherwise fall on the indemnitee. It is a contractual device, normally backed by insurance, and it is bounded by Civil Code §2782, which voids indemnity for the promisee's own sole negligence or willful misconduct, and by §2782.05, which restricts a subcontractor's indemnity of a general contractor's active negligence. (a) describes a delay or liquidated damages clause. (b) inverts the usual pairing, since a promise to indemnify is only as good as the indemnitor's balance sheet, which is why insurance is required alongside it. (c) belongs to the lien law and cannot be achieved by an indemnity clause.

法律依据: Civ. Code §2782 / §2782.05

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