If you have employees, casual workers/temporary staff, you are required by law to take out Employers Liability Cover. Volunteers can also be deemed as Employees even without any form of payment. This form of liability protection covers claims from employees who have been injured or become seriously ill as a result of working for you. It is important to note that it is the insurer on cover at the time of the incident happening that responds, as historically there have been long tail illnesses that manifest over a period of years, before resulting in a formal claim. The insurance industry has responded to this by setting up the Employers Liability Tracing Office (ELTO). Since April 2011 all policies with Employers Liability are being recorded on a centralised database. This helps prospective claimants track down their employers liability insurer, should they need to make a claim. Prior to this, Employers had to retain a copy of their Employers Liability Certificate for a period of 40 years after expiry.