The Employers’ Liability Tracing Office (ELTO) is an independent industry body comprising of EL insurers and other stakeholders representing the interests of claimants.

It was set up in April 2010 to be responsible for recording and managing a central database of EL policies to be known as the Employers’ Liability Database (ELD). This database will record the majority of EL policies held by individual employers and make it easier for personal injury claimants, specifically those who have been exposed to asbestos or who suffer long-tail injuries, to identify their employer’s previous insurers, enabling them to obtain compensation where appropriate.

Insurers have been required to send details of all new policies and renewals to the ELTO since April 2011. This is so that, over time, this will build a comprehensive record of Employers’ Liability policies with their associated insurers for UK employers. Claimants will be able to access this database via www.elto.org.uk.

Compliance

Primary legislation will soon be changed to compel insurers to provide information, but until this time, the FSA has introduced rules that has been added to the ICOBS (Insurance: Conduct of Business sourcebook). These are known as the Employers' Liability Insurance: Disclosure by Insurers Instrument 2010 (ELIDII) and can be found in section 8.4.

RSA is a member of ELTO and is fully committed to fulfilling its obligations under ELIDII