For Insurance Companies
The Employers' Liability Tracing Office (ELTO) works with insurers and delegated authorities across the employers' liability market to maintain a central tracing service that benefits claimants, legal professionals and the insurance industry.
This page provides guidance and information for both new and existing ELTO Members.
How can we help?
Are you interested in becoming an ELTO Member or are you already a Member? Please select the tab which applies to you, in order to navigate to the content on this page which is the most relevant.
Click to learn how ELTO Membership can support your organisation and explore the benefits, eligibility criteria, and application process.
Click to access information, resources, and guidance designed to help you make the most of your ELTO Membership and services.
ELTO Membership
ELTO helps insurers support the employers’ liability tracing process by ensuring relevant policy data and organisation information can be used through the ELD. Your organisation may need to apply for membership, confirm current details, update its owner or signatory information, provide claims contact information where required, and complete any applicable due diligence or agreement steps before onboarding is complete.
What are the benefits of becoming a Member of ELTO?
Meet FCA compliance requirements
Ensure Employers’ Liability policy data is submitted and maintained in line with regulatory obligations.
Upload and maintain policy data
Access the tools and guidance needed to manage policy records and data submissions to the ELD.
Support tracing and co-insurer investigations
Use ELD search capabilities to identify policy information and support long-tail exposure claims.
ELTO in numbers
Policy records on the database
Enquiries handled in the year
Successfully trace the insurer
Of the employers' liability market covered
Become an ELTO Member today
We're replatforming the ELD, are you prepared?
ELD NextGen is ELTO's programme to modernise the Employers' Liability Database (ELD), delivering a secure, resilient and future-ready platform that supports Member insurers in meeting the evolving needs of the industry.
By moving the ELD to a modern cloud-based architecture, the programme will enhance security, strengthen data integrity and improve system reliability. For Member insurers, this means greater confidence in the long-term sustainability of the service, improved resilience against changing technology and security risks, and a platform designed to support future regulatory and operational requirements.
Ensure you are prepared and stay informed of the latest developments, key milestones and what they mean for your organisation by visiting the ELD NextGen Knowledge Hub.
Business transfer announcements
Part VII transfers allow insurance policies to be transferred from one insurer to another under a legal process that requires court approval and adherence to strict regulatory standards.
Learn more about proposed and confirmed Part VII insurance business transfers.
Supplying employers' liability data?
The ELTO Broker's Guide is intended for brokers, as well as managing general agents and delegated authorities, and explains what Employers’ Liability policy information needs to be collected. The aim of the guide is to answer the more common questions being raised to ensure a consistent approach from the broker market.
Member FAQs
How do ELTO policy tracing requests work?
When a search cannot be resolved from the database, our tracing team asks insurers directly.
Most searches are answered from the database. When one cannot be, our tracing investigators run an extended search and contact insurers directly, asking them to check their own records for cover we do not hold.
That request arrives at the tracing email address your organisation has given us, which is why keeping that mailbox current and monitored matters.
How do I tell ELTO about a business transfer, merger or name change?
Please inform us if your organisation has changed name, merged, acquired or transferred a portfolio, or needs a business transfer announcement published. These changes affect how claimants and solicitors identify the correct insurer, so getting them recorded matters.
I am not receiving emails from ELTO
Verification emails, invites and notifications all come from the same place, so if one is missing the others usually are too.
Check your spam or junk folder
Check any quarantine your organisation's email filter uses, which is common in law firms and insurers
Confirm the email address on your account is spelled correctly and is one you can actually receive at
Ask your IT team to allow our sending domain
Shared mailboxes are a frequent cause. If your account is registered to a team inbox, confirm that mail from external senders reaches it and that someone is monitoring it.
What information do I need before applying for membership?
Have the following ready.
About the organisation
Legal name, plus any trading or previous names
Company registration and regulatory identifiers
Registered and correspondence addresses
Website, main telephone number and your approved business email domain
About the people
The proposed organisation owner
The person submitting the application
The authorised signatory
About your employers' liability business
Any existing ELD or legacy ELTO identifiers
Writing status, and the date underwriting ceased if it has
Gross written premium category
Tracing waiver information, where relevant
Optionally
Initial key account user and claims contact details
Where do I find ELD NextGen updates and insurer resources?
For any information regarding the ELD NextGen programme, including updates, timelines and member resources, please visit the ELD NextGen Knowledge Hub here.