Premierline is a specialist insurance broker dedicated to arranging insurance solutions to UK businesses. They have an experienced team of industry specific experts who can provide an advised service and have access to a wide range of insurance products from a range of well-known insurers. They are independent in the advice they provide and the insurance they recommend.
Frequently Asked Questions
New Customer FAQ's
Contractor & Trades
Retail & Shopping
The ELTO service aims to help those who have suffered injury or disease in the workplace identify the relevant Employers' Liability (EL) insurer quickly and efficiently. Insurers must supply details of policies sold which include Employers' Liability cover, to the ELTO within strict timelines, to ensure that the database is kept up to date. Your insurer will share with ELTO the information you provide when a policy is purchased.
You will be required to provide your Employer Reference Number (ERN) which is allocated by HMRC. The ERN is the PAYE tax code given to a company as a reference number for their employees' income tax and national insurance contributions. It is commonly referred to as the 'Employer PAYE Reference' and may be found on a number of PAYE forms and documents, including P45, P60 and P11D.
There are many covers available to you, aside from standard buildings cover. Most commercial landlord insurance policies will provide property owners liability cover as standard, which covers your liability as the landlord to members of the public for accidental injury and accidental damage to property.
You should also consider optional covers like loss of rent and legal cover, subsidence and optional contents cover as well.
Existing Customer FAQ's
Yes, if you make changes to your business, for example moving premises, altering your building(s), changing your business activities or changing the products you sell, please let us know. This is not a definitive list, however, and if you are in any doubt as to whether a particular item of information is material to the ongoing acceptance of your policy, you need to contact one of our business insurance specialists on 0330 102 6174.