Information for Employers

Download the ELTO guide for employers

Employers' Liability (EL) insurance has been compulsory for most businesses since 1969 and it can be bought on its own, or as part of a package of insurance designed especially for businesses.

As part of regulations introduced by the Financial Conduct Authority – the financial sector’s regulatory body – insurers and brokers will now need to collect additional information from their clients when they write EL insurance policies.

As well as the usual information, they will require details of any subsidiary companies as well as all Employer Reference Numbers (ERNs – commonly referred to as the PAYE reference number) used by the organisation.

Once it has been collected by your insurer or broker, your ERN will be included in policy details which are uploaded to the Employers’ Liability Database (ELD). In time, this database will become a comprehensive repository of EL policy details. Policy information, like the ERN, will mean that potential claimants who do not know their former employer’s EL insurer will be able to find them much more easily and allow them to start the claims process.

This gives you, the employer, peace of mind that the insurance you buy will cover your employees in the future should they be unfortunate enough to need to claim against it.

It is important to note that this is the only reason this information is being collected. Your ERN will be used only as a reference to locate the relevant EL policy and enquirers will not be able to search the database for your ERN.

The ERN can be found on many official documents including P45, P60, Employer Payment Books and many payslips.

ELTO has produced a guide for employers to explain in more detail why the information is collected, what it looks like, where to find it and the importance of providing this.

If you are an employer, we recommend that you read this guide as it will help you to speed up the process of buying EL insurance.

Download the ELTO guide for employers

Looking for an employers' liability policy?
Employers' Liability Tracing Office A Company Limited by Guarantee - Registered in England at the address below - No 6964651
Linford Wood House, 6-12 Capital Drive, Milton Keynes, MK14 6XT