Employers' Liability Tracing Office (ELTO) - Frequent questions

1. Why are you requesting this information from me?

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.

At the heart of this process is a centralised database - the Employers' Liability Database (ELD) which will contain details of all new and renewed EL insurance policies.

Direct Line Insurance (in respect of Direct Line for Business) have become members of ELTO. In order to help develop the ELD, we will be required to supply to ELTO policy details for all customers who have Employers' Liability as part of their insurance cover.

2. What information do you need from me?

a) Employer Reference Number (ERN)
b) Company House Registered Office address (only applies if you trade as a limited company)

3. 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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