Employer Reference Numbers (ERN) Exempt or Not!


It is necessary for all businesses that hold Employers Liability insurance to advise their insurer of their Employers Reference Number (ERN).


Please take action now if you have not already done so!


The Employers Liability Tracing Office (ELTO) aims to assist the insurance industry meet its obligations by aiding those who have suffered injury or disease in the workplace by effectively and efficiently tracing the relevant Insurer.


To do so ELTO have created a central database whose function is to store certain policy information of all businesses that hold EL Insurance.


Insurers are required to submit to the database policy information in respect of new and renewed EL insurance policies and the database is available for claimants to search for their EL Insurer.


Although the majority of this information is already held on your policy, nevertheless there is an additional piece of information that is required.


This is the Employer Reference Number (ERN).


The ERN is commonly referred to as 'Employer PAYE Reference'.


This is the reference number provided by HM Revenue and Customs (HMRC) under which Employees income tax and NI contributions are recorded.


This number is specific to all Businesses that employ staff who are individually paid a salary at the lower end of the scale.


The ERN can be obtained from HMRC documentation such as, P35, P60 and P11D.


A small number of businesses may be exempt from holding an ERN and generally this will be only in cases where the employer pays their employees a fairly minimal sum each month. Your support is vital in helping to build this Database so if you have not already done so please forward to us as a matter of urgency your policyholders ERN's as otherwise, it may not be possible for us to provide Employers Liability insurance!