The insurance industry has formed an independent body called the Employers’ Liability Tracing Office (ELTO) to pro-actively help potential claimants find their Employers’ Liability insurer when they have suffered injury or disease. By collating information on employers’ liability insurance policies in a central database, ELTO will improve the effectiveness of finding the correct employers’ liability insurer in the event of a claim.
How does this affect businesses?
If you have an employers’ liability insurance policy, your insurer will need to request some additional information from you. Supplying this information will be mandatory, so your insurer will not be able to continue to insure your business without it. This information will then be published on to the ELTO website, which can be accessed by the public.
What information do you need to supply?
All employers are given a unique Employer Reference Number (ERN) by HM Revenue and Customs (HMRC) when they register as an employer. This reference is sometimes also referred to as the Employers PAYE reference. It usually takes the form of a 3 digit number HMRC office number followed by a reference number unique to your business.
It appears on most correspondence you receive from HMRC (including your welcome pack from them) and is also used on any P60s and P45s that are issued to your employees.
You will also be asked for full details of any subsidiary companies or other employers covered by your Employer’s Liability policy, including registered address and ERN.
Hiscox Employers’ Liability policy holders
If you have a Hiscox Employers’ Liability policy we will be in contact to request your ERN, so please assist us by providing this information promptly.
More information
Employers’ Liability Tracing Office
Financial Services Authority
