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  • 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
    Proposed NSW reforms bulletin
    The NSW Government has announced its intention to introduce reforms that will...
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    Supporting superannuation trustees after ASIC’s review
    In April 2025, ASIC released its report, “Taking ownership of death benefits:...
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    Finalists in the 2025 icare NSW Case Management Awards announced
    Congratulations Ali, Catherine, Dakota and Greg for being named finalists in this...
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    Protecting workers’ rights and upholding fair payment practices
    The Australian Government has legislated a significant legal change with the introduction...
    Read more

    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.
    Read more

    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 and governance
    • 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
    Our benefits
    Quick links
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Claims

Jarrad Wegener

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Quicklinks

  • Contact us
  • Make a claim
  • About us
  • Training calendar

Workers compensation

  • icare Workers Insurance
  • icare Insurance for NSW
  • WorkSafe Victoria
  • ReturnToWorkSA
  • Comcare
  • State-based self insurance

Claims solutions

  • Accident & Health
  • Life insurance
  • Superannuation
  • Specialised license management
  • Long tail claims
  • Compulsory third party (CTP)

Mutual Benefits

  • Training
  • Tools
  • Partnerships
  • Research & Innovation
  • Mental health resource centre
  • Resources

About us

  • Who we are
  • Leadership and governance
  • In the community

Work with us

  • Open roles
  • Join our talent network
  • Terms of use
  • Privacy, whistleblower policy and modern slavery statement
  • Disclaimer
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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.

we help people get their lives back