Important changes regarding Employers Liability Insurance

From April 2011, the Employer’s Liability Tracing Office (ELTO) will replace the current voluntary Employer’s Liability Code of Practice. Insurers will be required to supply data on all of their employer’s liability policies, to be stored on the Employer’s Liability Database (ELD)

The changes have been brought about because if employees suffer sickness or injury at work, it may not immediately be apparent—in fact, in some cases, symptoms may only emerge decades later. This makes it extremely difficult to identify who the employer’s liability carrier was at the time. This new initiative will ensure that full records are kept in a single central Employer’s Liability Database (ELD), making it a simple matter to pinpoint exactly who insured the employing company when the illness or injury occurred.

Our responsibility as insurance brokers placing employers liability insurance, will be to inform insurers of the employer reference number (ERN)—this is also known as the ‘employer PAYE reference’, which is allocated by HMRC and appears on PAYE forms and documents.

For more information about the ELTO or about employers liability risks contact Tony Gibbs on 0118 9165480

Author: Tony Gibbs | April 1st, 2011

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Tony Gibbs
Get in touch:   Reading: 0118 916 5480   London: 020 7036 8767