When must an insurer issue a certificate of EL insurance to the policyholder at renewal of a shop insurance policy?

The insurer must issue a certificate of Employers' Liability (EL) insurance to the policyholder at the renewal date of the shop insurance policy. This timing is critical because EL insurance is a legal requirement that provides coverage for liabilities arising from employee injuries or illnesses related to their work.

Issuing the certificate at the renewal date ensures that the policyholder has the necessary proof of coverage in place at the start of the new policy period. It is important for the policyholder to have this document to demonstrate compliance with legal requirements, especially since they are obligated to provide proof of EL insurance to employees and potentially regulatory bodies.

This timing contrasts with other options such as when inviting renewal, when receiving instructions to renew, or when receiving payment. These moments do not guarantee that the coverage is active or that the policyholder can demonstrate compliance at a specific point in time; therefore, they are not the appropriate moments for issuing the certificate. The renewal date is the definitive point at which coverage takes effect or continues, making it the correct answer.