Spoliation and the Litigation Hold
What this clause says
Effective immediately, all routine destruction, deletion and overwriting of documents and electronically stored information relating to this Resident, including video surveillance recordings, staffing and assignment records and electronic communications, is suspended until further notice.
What this actually means
A litigation hold suspends the routine destruction of records once litigation is reasonably anticipated. Spoliation is what a court calls the failure to do it, and the remedy can include an instruction permitting the jury to infer that the missing material would have been unfavorable.
What it means for an operator
In senior care the item that disappears fastest is video, which overwrites on a cycle measured in days or weeks. Staffing and assignment records for a specific shift are next, followed by the physical equipment involved. The inference a court permits is often worth more to a plaintiff than the evidence itself would have been, because it converts a documentary gap into an adverse fact. Issue the hold in writing the day a demand letter arrives or a serious incident occurs, confirm specifically that the video retention system has been suspended, and record who was told and when. Routine automated destruction is not a defense once the duty has attached.
Why the Policy Checker does not score this
This term is worth understanding and cannot be checked from a declarations page. There is no single field that would answer it, and scoring it from an assumption would produce a confident wrong finding, which is the one thing a tool like this must never do. It is defined here and left out of the check.
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Common questions about this clause
- Does cyber insurance cover a resident health information breach?
- What should we do when a demand letter arrives?
- What happens at mediation in a senior care case?
- What do underwriters actually want to see in a senior care submission?
- Does independent living need professional liability if there is no care license?