ERN – Employers Reference Number

What is an ERN?

When arranging certain types of policies, insurers may ask you to provide your ERN.

“But what is an ERN?” we hear you ask!

Well, here at Bloomhill Insurance Solutions, we understand that insurance is full of confusing terms and acronyms.  That’s why we’re breaking this one down for you.

WHAT DOES ERN STAND FOR?

ERN stands for Employers Reference Number.

DO I HAVE AN ERN?

You will have an Employers Reference Number if your organisation is a registered employer with HM Revenue and Customs.  Also referred to as your PAYE reference, this is a unique code that HMRC use to identify your organisation or business for tax reasons etc.

Your ERN will have been provided to you by HMRC when you registered your organisation as an employer.

WHY DO I NEED TO PROVIDE MY ERN FOR INSURANCE?

Insurers will need to know your ERN if you wish to purchase Employers Liability Insurance.   This is then kept on a database created by the Employers Liability Tracing Office, to help identify which organisations an employee has worked for, should they develop a work-related illness and then claim a long time after that period of work.