Information on ELTO

What is ELTO?

The Employers liability Tracing Office (ELTO) has been established to solve the problem of being unable to identify the insurers of companies for whom a claimant has worked for  with the aim of giving claimants and their representatives quick and easy access to an Employers’ Liability Database (ELD)

The ELD can be accessed by claimants, insurance companies, brokers, ELTO and solicitors acting on behalf of individuals who have been injured or developed a disease in the work place. Strict security is in place to prevent unauthorized access and to ensure the database is only used for legitimate purposes, in accordance with the data protection legislation.

ELTO is a proactive initiative to ensure that claimants receive the support they require from insurers in an open and transparent way.

What will ELTO mean for you?

From April 2011 ELTO will EXPECT the following types of Employers Liability (EL) policy data to be supplied:

Information required from now on is as follows:

  • The full name of the person or company to be insured including trading name
  • Cover start and end dates
  • Your address and postcode
  • Your Employer reference number (ERN)

This information will also be needed for each subsidiary company that may be covered by your EL policy.

Only one part of this is ‘new’ information which we will need to collect from you when we arrange cover for you – your Employers Reference Number (ERN) or Employers PAYE reference.  You can find this information within your Employers Pack which you should have received from HMRC when you registered as an employer or on any correspondence from them.

The only change you will therefore notice is that we will request your ERN when we arrange a new policy or renew a policy for you.

Please contact us if you have any queries in this respect or for more information visit the official ELTO website

Information on ELTO

Tradesmen Liability – Special Offer!

Builders, Plumbers, Electricians, Decorators, Carpenters, Locksmiths, Alarm Installers, Window Cleaners, Plasterers, Floor Layers, Glaziers…… whatever your trade, it is likely that you need Public Liability Insurance which provides cover if you injure someone or damage their property during the course of your work.

Think that Tradesmen Liability is expensive?

Think again….. our Tradesmen Liability premiums start from only £50.

But there is more….. for a limited time we are offering 10% off your premium

To get a free quotation and to claim your additional 10% discount, telephone us on 01737 373222 and mention the code T0411.  Alternatively, complete the enquiry form below and you will receive your quotation by return 


Tradesmen Liability – Special Offer!

A change in the way insurers calculate insurance premiums

The European Court of Justice has announced that the use of gender based risk pricing in insurance will not be permitted from 21 December 2012.  The ruling applies to all insurers in the UK market.

This does not impact any current policies that you have in place.  Insurers are likely to now use the interim period up to December 2012 to make the necessary changes to their systems and processes and work closely with brokers to ensure a smooth transition for customers.

I attach below some Q&As which have have been compiled.


What has happened?

The European Court of Justice announced on 1 March 2011 that the use of gender based risk pricing in insurance will not be permitted from 21 December 2012.  This means insurance companies will not be able to charge different premiums to men and women based on gender risk differences.  This applies to all insurers in the UK. 

Why are gender differences used when pricing insurance?

Currently, insurance companies apply different premiums, policy terms and benefits to men and women across a range of products based on proven statistical gender differences.  For instance, young women usually pay much less for their car insurance than young men based on their respective safety records. 

What will this mean to the cost of my current policy?

It does not impact your current policy with us.

When will the changes be applied?

The final date for the transition is 21 December 2012.  Premiums quoted after this date will not be permitted to take into account gender risk differences.

How will the insurers implement the changes?

Insurers are likely to now use the interim period up to December 2012 to make the necessary changes to systems and processes and work closely with brokers to ensure a smooth transition for customers.

A change in the way insurers calculate insurance premiums

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