Providing your Employer Reference Number

What is ERN and why do we need it?

The Employers’ Liability Tracing Office (ELTO) is creating a database to help employees trace the insurance details of their employers. The database should help employees who need to make a claim to find the relevant insurer quickly and easily. As your insurance provider, we need to collect your unique Employer Reference Number (ERN) to add to this database. This will mean that if you’re faced with a claim, the ELTO will be able to prove that you were covered when you were employing the claimant.

Also called an ‘Employer PAYE Reference’, this is a unique number given to every business that registers with HM Revenue and Customs as an employer. You will find it in your registration welcome pack and also on many other HMRC documents including P45, P60, P11/D, and pay slips. The number is made up of a three-digit HMRC office number and a reference number specific to your business. You will usually have to provide this number when you complete your end-of-year PAYE returns.

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