In February 2011 the FSA published a new regulation which requires insurers to maintain a central database of employers liability policies. The industry has responded with The Employers Liability Tracing Office (ELTO).

ELTO will assist future workplace claimants to track down their employers insurance policies and we are being required to provide some additional information which will directly link the policy to the employers. This will take the form of your “Employer PAYE Reference”, allocated by your tax office and ELTO are using this to identify individual employers as this reference appears on employee payslips & P45/P60 documentation.

There will of course be a small minority who pay all employees less than the current PAYE threshold and in such cases, there will be an exemption.