Discover the benefits of ELTO membership

Meet FCA requirements quickly and cost-effectively with a single, online
home for your employers' liability policy data.

Any organisation liable for current or historical employers' liability claims from a UK employer can benefit from ELTO membership.

In April 2011, the Financial Conduct Authority (FCA) made it mandatory for all new and renewed employers' liability policies to be made available in a searchable format.

By providing a single, centralised source for this policy data, the Employers’ Liability Database (ELD) helps insurers meet their obligations with less cost and complexity.

1. Meet FCA requirements quickly and easily
2. Enhance your brand reputation
3. Make EL policies instantly available to people in need

ELTO was established by the insurance industry in 2011 to help people affected by a work-related illness or injury quickly find the information they need to make a claim.

Today, we are trusted by 99% of the UK employers' liability insurance market.

More about ELTO...

Your obligations as a member

We are an independent, not-for-profit organisation funded by a membership levy.

ELTO is funded through member levies, which are split into two types:

  • Variable Levy – paid by Qualifying Members, calculated by reference to their Gross Written Premium (GWP).
  • Fixed Levy – a flat annual fee paid by:
    • Members who are not Qualifying Members, and
    • Qualifying Members whose Variable Levy would otherwise be less than the Fixed Levy.

Even if your organisation does not contribute towards the levy, you will still need to submit your policy data as required under ICOBS 8.4.

Submit your EL insurance data

Mandatory

  • New policies
  • Policies renewed since March 2011
  • Any policy where a claim has been made

Voluntary

  • Employers' liability policies issued before March 2011

All ELTO members are required to submit data in the correct format within specified timescales and pass an annual audit of their tracing practices.

Your organisation can protect its reputation and further reduce the number of enquiries it receives by making voluntary submissions outside the scope of ICOBS 8.4.

 

Learn more about membership

If you are part of an organisation liable for Employers' Liability insurance and are interested in membership, please read on.

Download an application form

As an organisation liable for Employers' Liability insurance, you can download and complete the application form here.