What is ELTO?

ELTO, is an independent, not-for-profit company limited by guarantee and funded by a levy. Set up to provide claimants and their representatives with quick and easy access to a database of Employers' Liability (EL) policies through an online enquiry facility, ELTO is designed to help find the insurer of their former employer where the claimant is suffering from a disease/injury caused at work.

ELTO has built and will maintain a complete electronic database of all new and renewed employers' liability insurance policies. This EL Database (ELD) improves upon the existing tracing service, which relied solely on insurers checking against their own policy records, to make it easier to find records and identify the insurer to enable claimants to pursue compensation.

ELTO is not a compensatory body. The ELTO search is designed to produce details that help the claimant and their representative continue further investigation with the appropriate insurers. The results from the search of the ELD are not proof of insurance, or proof of liability.

The Financial Conduct Authority (FCA) requires an annual statement from the Directors of ELTO that states it complies in all material aspects of the FCA requirements. A copy of this statement can be downloaded as a PDF.