AXA Connect

A Broker's Guide to Supplying ERN Data

What you need to know

Brokers, particularly those operating delegated authorities (DAs), MGAs and software houses are important stakeholders for ELTO, since they will be the link between the insurer and the client, in capturing policy information for the ELD.

From 1 April 2011  Mandatory policy record data for new and renewed policies to be added to ELD.
From 1 April 2012  Additional information to be supplied, namely full listing of Subsidiary Companies and all ERNs (including those of Subsidiary Companies if different from parent/policyholder). 

We can collect the data from you on individual cases or, if you prefer, in volume, through a spreadsheet of all your AXA cases. Individual risk presentations will need to provide all insurers that write EL insurance with the relevant mandatory information required for ELD.

Where to find Employee Reference Numbers (ERNs)

An ERN is allocated to all UK businesses where any employee is paid above the prevailing PAYE threshold. The ERN is shown on the P45, P60, P11/D and many payslips.

A minority of employers do not have an ERN, including those that:

  • Pay all employees below the Lower Earnings Limit, (none of these employees has another job, and none of the employees is in receipt of a state or occupational pension or other employee benefits),


  • Are registered in the Isle of Man, or the Channel Islands (these have no tax presence in the UK).

Some employers may possess more than one ERN, including those operating separate PAYE schemes for different business locations, mergers or company directors. We need to be supplied with all ERNs. 

Further information

For more information on current threshold limits, visit the Gov UK website.

For more information on the threshold limits on ERNs, visit the HMRC website.

Read BIBA's ELTO guide

Further information is available on the ELTO website

Visit our Frequently asked questions page