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The Employers' Liability Tracing Office (ELTO) is an independent UK agency set up to provide insurance claimants and their representatives with online access to a database of Employers' Liability Insurance policies, so that people suffering from a disease/injury caused at work with a former employer can identify who provides their insurance.
As many as 25% of railway workers may have chosen to rely on these mutual insurance plans. [11] The Employers' Liability Act was replaced by the Workmen's Compensation Act 1897, which removed the requirement that the injured party prove who was responsible for the injury – instead they only needed to show that the injury had occurred on the job.
An employer only has a defence if an employee, on a "frolic of his own", was not placed by an employer in a position to cause harm. Under the Employers' Liability (Compulsory Insurance) Act 1969, employers must take out insurance for all injury costs. Insurance companies may not sue their employee to recover costs unless there is fraud. [175]
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Thus, the British working population was only fully covered under employer liability after the passage of the 1906 act and full "social insurance" for work-injury only came later with Beveridge. Part of the confusion on this issue is that pensions, unemployment and health care all had developed more or less into social insurance in the early 1900s.
Under the Employers’ Liability (Compulsory Insurance) Act 1969, employers must take out insurance for all injury costs, and insurance companies are precluded by law and practice from suing their employees to recover costs unless there is fraud. [18] However, until the mid-20th century there were a series of major limitations.
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