Direct Line Insurance joins Employers' Liability Tracing Office (ELTO)

Background

The Insurance Industry have worked with the Government to help develop the Employers' Liability Tracing Office (ELTO).

The formation of ELTO, an independent industry body comprising members who are Employers' Liability (EL) insurers, is a proactive move by the insurance industry to meet its obligations to help those who have suffered injury or disease in the workplace identify the relevant insurer quickly and efficiently.

Direct Line Insurance (in respect of Direct Line for Business) has become a member of ELTO.

Who does this affect?

In order to fulfill our obligations, we will be required to supply to ELTO policy details for all customers who have Employers' Liability cover as part of their insurance.

New customers - What does this mean for you?

From October 2011, where you purchase Employers' Liability cover (or it is provided automatically as part of the insurance cover) we have added new questions on our website as part of the quotation process:-

your Employer Reference Number (ERN)

Also known as an Employer PAYE Reference, the format of the ERN is usually 999/XX99999 or 999/X99999 and can be found on P45/P60 documents and most payslips. The Employer Reference Number should be provided to us in full.

Where you have Employers' Liability cover but your business is exempt from holding an Employer Reference Number you will need to confirm this to us.
where you trade as a limited company, your Companies House Registered address

We will be required to collect this information for both the parent and any subsidiary companies.

Please ensure you have the required information to hand when you visit our website or call us for a quotation.

Existing customers - What does this mean for you?

Ahead of your renewal you will be requested to contact us to provide:-

your Employer Reference Number (ERN)

Also known as an Employer PAYE Reference, the format of the ERN is usually 999/XX99999 or 999/X99999 and can be found on P45/P60 documents and most payslips. The Employer Reference Number should be provided to us in full.

Where you have Employers' Liability cover but your business is exempt from holding an Employer Reference Number you will need to confirm this to us.
where you trade as a limited company, your Companies House Registered address

We will be required to collect this information for both the parent and any subsidiary companies.

Will all insurers be collecting this information?

Requirements from the FSA now mean that all insurers underwriting Employers' Liability policies will have to collect from their policyholders the Employer Reference Number (ERN) and Companies House registered office address details (where the company status is limited).

In order to comply with the obligations laid down by the FSA the majority of insurers who underwrite Employers' Liability insurance have now joined ELTO.

What will you do with my information

We are required to supply your Employers' Liability insurance policy details to the Employers' Liability Tracing Office (ELTO). These details will be added onto the Employers' Liability Database (ELD), which will be managed by ELTO. This database will be accessible by any claimants, and will assist claimants who have suffered an employment related injury or disease arising out of their course of employment in the UK, to find the insurer that was providing Employers' Liability cover during their relevant period of employment and also to find the relevant Employers' Liability insurance policies.

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