Answer:
noninsurance transfer
Explanation:
Based on the information provided it can be said that the restaurant owner's use of the hold-harmless agreement in the lease is an example of a noninsurance transfer. This term refers transferring all risk from one individual to another by any means other than a policy of insurance. Which in this case was by the use of an agreement in the property lease.
** The provided answers do not seem to be part of this question **