Discover the benefits of ELTO membership

Meet FCA requirements quickly and cost-effectively with a single, online
home for your employers' liability policy data.

Any organisation liable for current or historical employers' liability claims from a UK employer can benefit from ELTO membership.

In April 2011, the Financial Conduct Authority (FCA) made it mandatory for all new and renewed employers' liability policies to be made available in a searchable format.

By providing a single, centralised source for this policy data, the Employers’ Liability Database (ELD) helps insurers meet their obligations with less cost and complexity.

1. Meet FCA requirements quickly and easily
2. Enhance your brand reputation
3. Make EL policies instantly available to people in need

ELTO was established by the insurance industry in 2011 to help people affected by a work-related illness or injury quickly find the information they need to make a claim.

Today, we are trusted by 99% of the UK employers' liability insurance market.

More about ELTO...

Your obligations as a member

We are an independent, not-for-profit organisation funded by a membership levy.

As a member, your organisation will need to contribute a percentage of its annual gross-written premiums (GWP) to cover the cost of the services we provide.

The exact percentage you will pay is reviewed annually.

Insurers may not have to contribute towards the levy if:

  • Their annual GWP is below £5 million
  • They no longer write EL insurance but remain liable for claims made against historical policies (for example, after a company merger or acquisition).

Even if your organisation does not contribute towards the levy, you will still need to submit your policy data as required under ICOBS 8.4.

Submit your EL insurance data

Mandatory

  • New policies
  • Policies renewed since March 2011
  • Any policy where a claim has been made

Voluntary

  • Employers' liability policies issued before March 2011

All ELTO members are required to submit data in the correct format within specified timescales and pass an annual audit of their tracing practices.

Your organisation can protect its reputation and further reduce the number of enquiries it receives by making voluntary submissions outside the scope of ICOBS 8.4.

 

Learn more about membership

If you are part of an organisation liable for Employers' Liability insurance and are interested in membership, please read on.

Download an application form

As an organisation liable for Employers' Liability insurance, you can download and complete the application form here.