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The Employers' Liability Tracing Office (ELTO)

What is ELTO?

The Employers' Liability Tracing Office (ELTO) manages a market-wide electronic database of employers' liability (EL) policy records. The database, known as the employers' liability database (ELD) will enable claimants and their representatives to easily access information about old insurance policies and help to speed up the process in the event of a claim.

FSA (now FCA) regulations state that from 1 April 2012 insurers must supply:

  • Details of each employer covered by a policy, which will include a full listing of all subsidiary companies
  • The Employer Reference Number (ERN) where applicable, for the policyholder and each subsidiary employer covered on the policy.

We need your help

We need to work closely with you to collect the additional data within the timeframes stipulated and to ensure we are complying with the new rules. Find out how to supply the data that's needed.

Need to know more?

Visit our Frequently Asked Questions page