Employers’ Liability Tracing Office

Where to find your customer’s ERN and why we insist you collect Employee Reference Numbers on our behalf for the ELTO.


What is the Employers’ Liability Tracing Office (ELTO)?

The ELTO is an independent body, set up to provide claimants and insurers with quick and easy online access to a database of employers’ liability policies – the Employers’ Liability Database (ELD). Members of ELTO are all employers’ liability insurers – and that includes Ageas.

The Employers' Liability Database (ELD)

The Employer’s Liability Database (ELD) holds the details of all businesses that have or have had an employers’ liability insurance policy. Claimants can search for their employer’s liability insurer via the ELD by going to: www.elto.org.uk.

A guide to supplying employer’s liability data can be found in the ELTO Broker Guide.

Why do we collect Employer Reference Numbers (ERNs)?

We need to collect ERNs for everyone who’s covered by our employers’ liability policies, including subsidiary companies. This explains where to find those ERNs.


ELTO and ERNs – where to find your customer’s ERN

Employee Reference Numbers (ERNs) are shown on most correspondence from HMRC to employers, and on your customers' P45, P60 and P11/D documents.

What to do with an ERN?

An ERN is a unique number that’s issued by HM Revenue and Customs (HMRC) to each employer. Your customers may also know it as their ‘Employer PAYE Reference’.

Why do insurers have to collect ERNs?

By keeping accurate individuals’ ERNs on file, we can speed up our processes and identify the correct employer in the event of a claim. This helps us help your customers.

With an ERN on file, we can then compare the information we have about our own policies (new or renewed from 1st April 2011) with the details in a central database that’s held by the Employers’ Liability Tracing Office (ELTO). Any policy with a claim against it, even before this date, is also on the database. 

What to do with an ERN…

We ask you to collect the ERN on our behalf, whenever an individual needs adding to one of our employers’ liability insurance policies.

Unless the insured qualifies for exemption, that ERN will automatically update a central database that’s held by the Employers’ Liability Tracing Office (ELTO). As it’s a regulatory requirement, we will send you reminders about ERNs until we’ve got all the details we need (there are some individuals who qualify for exemption).

Which companies are exempt from holding an ERN?

Exempt businesses include companies that pay all of their employees below the current PAYE threshold and companies registered in Guernsey and Jersey. You’ll find more details in the ELTO Broker Guide.

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