In the December 2012 Dec Page, an article pertaining to contractual liability insurance was highlighted. This month, a subsequent article on the subject is presented. The article, Contractual Liability Insurance, Part Two, discusses the three steps required to determine if the proper liability insurance is in place to cover an otherwise valid and enforceable indemnity agreement. This requires differentiating between the four types of hold harmless agreements and then determining what, if any, the anti-indemnity statute in the particular state has to say about these agreements.