Workers compensation

NSW Nominal Insurer (icare)

The Nominal Insurer (icare) is the workers compensation scheme in NSW, covering most workplaces (excluding the public sector, self-insured employers, and employers in a specialised insurance scheme). EML is appointed as a Claims Service Provider by icare. Explore the services we offer today.

I’m a worker

I’m an employer

I’m a broker

I’m a provider

icare Insurance for NSW

icare Insurance for NSW and its Treasury Managed Fund covers public sector workplaces, like police, ambulance, and government offices. Discover your support options here:

I’m a worker

I’m an employer

I’m a provider

WorkSafe Victoria

WorkSafe Victoria’s WorkCover scheme is for Victorian companies and employees. Discover your support options under WorkCover:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

ReturnToWorkSA

ReturnToWorkSA covers South Australian workers and businesses. Discover your support options here:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

Comcare

Comcare is for federal employers and workers covering the Commonwealth, ACT Government, or companies licensed under Comcare. Discover your support options under Comcare:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

State-based self insurance

State-based self insurance is for businesses that choose to manage their workers compensation claims, meeting state requirements. Discover your support options if you’re self insured:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

We help people get their lives back

“My goal was to get back to work and get back to life”

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Claims solutions

Accident & Health
Streamlined claims for non-work-related illness and injury, reducing risk, cost, and time to recovery.

Life insurance
Complex life insurance claims sensitively managed with the expertise and care your members deserve.

Superannuation
Expert, tailored management of income protection, TPD, and death claims, protecting your funds and members.

Specialised license management
Complete license management that ensures performance, compliance, and reduces risk.

Long tail claims
Confident, expert resolution of the most complex, long-running claims across every portfolio.

Compulsory third party (CTP)
High-volume CTP claims managed with speed and care and trusted by major insurers.

Expertise, backed by experience

No matter the need, our specialist approach has a solution.
Mutual Benefits

Training
Extensive range of training events and free access to e-learning courses via EMlearning.

Partnerships
Partnering with organisations that are committed to improving lives.

Mental health resource centre
A commitment to supporting workplaces and their employees with mental health resources and training.

Tools
Free online tools designed to simplify workplace health, safety and wellbeing.

Research & Innovation
A commitment to thought leadership, we invest in research to shape best practice in the personal injury industry.

Resources
Access to free workplace health and safety resources, injury management guides and videos.

Mutual Benefits Program

From prevention to recovery, we invest in innovative solutions with industry experts to tackle industry challenges and drive positive change.
News & Community

Partnering with TMF and emergency services in workers compensation for 20 years

In 2025 we recognise a significant milestone for our Insurance for NSW...

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Mutual Benefits Program Annual Report Release

We’re proud to launch the FY25 Mutual Benefits Annual Report - highlighting...

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New Psychological Health Regulations go live in Victoria

New psychological health regulations came into effect in Victoria on 1 December,...

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NSW workers compensation scheme reforms announced

The NSW Government has introduced reforms that will change how psychological injury...

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Awards

2024September

PIEF 2024 Excellence in Personal Injury and Disability Management Awards has shortlisted four EML finalists

2023August

EML’s Nico Coad has won the Excellence in Customer Service Award at this year’s Personal Injury Education Foundation Awards for Excellence in Personal Injury and Disability Management.

2022October

EML’s Robyn Shepherd has won the Excellence in Injury & Disability Management (Return to Work/Community) Award at this year’s Personal Injury Education Foundation Awards for Excellence in Personal Injury and Disability Management.

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Partners & Sponsorship

We sponsor events and partner with organisations that commit to improving lives.

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About us
Who we are

Our company overview

Our history

Our commitment

Our culture and people

Our awards

Our technology

Leadership

Our corporate governance

Our annual reports

Our EML board

Our ASWIG board

Our executive leadership

In the community

Our partners and sponsorships

Our environmental responsibility

Today, we are EML

More than 115 years later, we are still helping people get their lives back

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Work with us

Work with us

Our people thrive on helping others. Make a difference at EML.

Why EML

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Video

Preventing manual task injuries

Manual task injuries put tradies (and the people that work with them) out of work across Australia every day.

Watch Occupational Therapist Brad Gerlach demonstrate safer manual handling techniques in the videos below:

Pushing or pulling loads

Lifting or moving Loads

Static postures

These videos were developed by EML in consultation with Hindmarsh Plumbing and Master Plumbers South Australia.

Top resources

People's story

Positive, proactive approach aids recovery

On what seemed like an ordinary day at work, a fish scaling machine weighing over 100kg...

Collection

Creating safer workplaces

Supporting Australian employers keep their people safe at work...

Article

Understanding workplace mental health: key findings from the EML white paper

Australia is at a pivotal point in how mental health risks are recognised and addressed in...

Other resources

People's story

Positive, proactive approach aids recovery

On what seemed like an ordinary day at work, a fish scaling machine weighing over 100kg...

Collection

Creating safer workplaces

Supporting Australian employers keep their people safe at work...

Article

Understanding workplace mental health: key findings from the EML white paper

Australia is at a pivotal point in how mental health risks are recognised and addressed in...

Article

Paving the way to recovery

Mental health claims which involve interpersonal conflict are some of the most complex we manage....

People's story

Never give up: Bob’s 15 year journey from injury to independence

Bob’s life changed forever one day in 2010. He headed to the mushroom farm in the...

Tool

Judgemental podcast: Helping workplaces manage psychosocial risk

In the Judgemental Podcast, Kate Connors and Greg Smith discuss the nuance and diversity of impact...

Start a new journey today

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The EML Group is made up of a group of companies owned and operated by a partnership between Employers Mutual Limited & The Trustee For ASWIG Management Trust ABN 23 923 166 503, to find out more information about the EML Group click here.