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The Employers' Liability Tracing Office (ELTO) is an independent body comprising members who are Employers' Liability insurers.

ELTO is proactively addressing the insurance industry's obligations to help those who have suffered injury or disease in the workplace to 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 all new and renewed EL insurance policies, old EL policies that have new claims made against them and all successful traces from the current Tracing Service


Similar to the MID, the insurance industry will form a centralised database of EL information. The database can be searched by employees, etc. to identify the appropriate EL insurer.

The ABI previously operated an EL tracing service but a more effective solution is required to improve service to consumers.

What will happen?

Each employer in the UK has a unique Employer Reference Number (ERN), sometimes referred to as ‘Employer PAYE Reference'. This number will be used as the unique identifier in the ELD. Policyholders and brokers must supply the ERN information to Arista as a policy incepts or renews.

Arista, along with all EL insurance providers, collects and records each policyholder's ERN for inclusion in the ELD. This information is required for all new and renewed policies.

It will also be necessary to collect and record ERNs for any/all subsidiary companies attaching to the policy.

Arista, and our insurer partners, will transfer the necessary information from our systems to the ELD.

Click here for the ELTO's guide for employers

What do brokers need to consider?

All EL insurance providers ask for ERN information. So you need to consider...

  • collecting this information from your clients, including any subsidiary companies
  • storing ERN details on your systems and
  • passing on this information to insurers


ABI - Association British Insurers
EL - Employers' Liability
ELD - Employers' Liability Database
ELTO- Employers' Liability Tracing Office
ERN - Employer Reference Number
MID - Motor Insurer's Database