Employer's Liability Tracing Office
Chubb Commercial Insurance

What is ELTO?
The Employers' Liability Tracing Office (ELTO) is a centralised database of UK Employers’ Liability (EL) policy details. Its purpose is to help individuals who have suffered injury or disease in the workplace trace the relevant insurer, in order to allow them to make a claim. ELTO is an independent industry body established by the insurance industry to meet the requirements of the Financial Services Authority. Chubb Insurance Company of Europe SE and Chubb Managing Agent Ltd fully support this initiative.

Further information on ELTO can be found here: http://www.elto.org.uk/

How can customers contact ELTO?
Individuals who want to trace EL insurer details can do so by visiting http://www.elto.org.uk/.

What do Chubb require from Brokers?
Brokers will need to provide specific policy information (on UK EL policies only) at inception and prior to each renewal to enable us to update the ELTO database on a regular basis. The information requirements are split into two stages:

Stage 1
For policies incepting or renewing from 1st April 2011, the initial mandatory data required from brokers is:

  • Policyholder name
  • Policyholder address
  • Cover start date (for the latest period of cover)
  • Cover end date (for the latest period of cover).

This should be information that is already provided to us as part of our normal business transactions with you.

Stage 2
For policies incepting or renewing from 1st April 2012, in addition to the above mandatory information you will be required to supply:

  • The name and address of all subsidiary companies insured for EL under the same policy number
  • The Employers' Reference Number(s) (ERN) of the policyholder and each subsidiary company insured for EL under the same policy, unless exempt.

Although this stage 2 data is not required until the 2012 deadline, we encourage the supply of all data from 1st April 2011 to ensure full compliance by 2012

What is an ERN?
The ERN is also commonly referred to as 'Employer PAYE Reference'. This refers to HMRC’s reference under which the employees' income tax and NI contributions are recorded. Some insured companies or subsidiaries may have more than one ERN assigned to them or be exempt from holding an ERN.

We will provide more information on Chubb’s requirements for providing the necessary Stage 2 data shortly.

Submitting ELTO data to Chubb

The information required for ELTO should be submitted to the Chubb underwriter you deal with on each policy. You can provide this in a format of your choosing. Please ensure ERN and subsidiary information is clearly referenced to allow us to easily identify it upon receipt.

We have produced a template for submitting ELTO data that you are free to use. If you roll your mouse over each column header, it will provide instructions on the information that needs to be included.

ELTO Submission Template

Please ensure you provide the completed template, by e-mail, to the Chubb underwriter you deal with on each policy to ensure it is entered into our system correctly.

Further information
Any further questions you may have about ERN or ELTO generally may be answered by the attached ELTO Broker Guide:


Otherwise, please email us at ELTO@chubb.com with any questions.