We’ve helped over a million Australian workers recover after an injury.
We’re here to help you.
No one wants an injury or illness to happen. But if it does, EML is there.
We’re Australia’s largest personal injury claims management provider.
100% Australian-owned and operated, we handle over 90,000 claims every year and helping people recover from injury and illness in and out of the workplace.
Trusted by insurance providers and government agencies like icare NSW, WorkSafe Victoria, and ReturnToWorkSA, we manage workers compensation claims for businesses and agencies nationwide, from emergency service agencies to self-insurers.
We also provide insurance claims services across accident and health, CTP, superannuation, and life insurance, with over 3,700 claims management professionals and on-the-ground teams providing face-to-face support across 12 national locations.
Over our 115-year history, we have invested in programs, services and tools which genuinely help injured Australians in their recovery journey, whilst helping employers to provide safer workplaces.
So far, through our Mutual Benefits Program, we’ve reinvested $144 million into initiatives and innovations, from industry-leading mental health research to practical claims management pilots and community programs.
Every day, across the schemes and portfolios we support, people recover faster with EML – thanks to tools and technology that keep recovery moving by people who genuinely care.
We’ve helped injured Australian workers get back on their feet for generations. We pioneered workers compensation in Australia in the early 1900s, to care for injured industrial workers when no one else did. Now, over 115 years later, we’re still going strong, building on that legacy by leading the way in claims management, workplace safety, and recovery.
1910
We give financial help to injured workers as Master Bakers Mutual.
1912
The Master Plumbers’ Mutual Indemnity Association Ltd is formed.
1914
The Master Carriers’ Mutual Indemnity Association Ltd is formed.
1926
We merge and lay the foundation for what’s now EML.
1987
We become a Managed Fund Insurer for WorkCover NSW (icare).
1995
We manage a $29M premium with 35 employees.
2006
We become the sole agent for WorkCover South Australia.
2010
We celebrate 100 years with 1,000 employees and $1B in premiums.
2016
We become WorkSafe Victoria’s newest agent, supporting Victorian workers.
2018
We help the ACT Government self insure its 22,000-strong workforce.
2021
We launch mobile case managers in NSW for in-person support.
2024
We reach a record $142M invested in the Mutual Benefits Program.
Since 1910, our purpose founded in our mutual heritage, has remained the same: we help people get their lives back. Through expert claims management, innovative workplace safety initiatives, and a compassionate approach, we’re making a real difference – working with our partners, employers, and providers to drive industry-leading outcomes and help people and businesses recover when the worst happens.
A future where Australians facing injury, illness or life-changing events – whether they are workers, employers, or people with insurance through superannuation – feel supported and can recover quickly and confidently. By investing in initiatives like technology, training, support and preventative risk management, we’re improving outcomes for individuals and workplaces – shaping a claims experience that truly works for everyone.
At EML, people always come first – whether it’s the workers and businesses we support or our caring teams who make it all happen. We believe in working together, being accountable, and helping each other grow and thrive. In our workplace, everyone’s perspective is valued and respected. That’s why we’re proud to be an award-winning place to work – proof that a people-first attitude drives everything we do.
Our focus on supporting our people personally and professionally has created a great workplace for all and has earned us top recognition from Australia’s insurance and workplace sectors.
The Top Insurance Employer award is recognition of the great workplace culture at EML. It shows we consistently look at what we’re doing and are improving all the time. – Cameron McCullagh, Executive Chairman
2025 Service Provider – Insurance Industry
2025 Best Service Provider – Claims
Certified as a Great Place to Work – 2025- 2026
Best Workplace for Women 2025
Top Insurance Employer 2021
Best Workplace 2024
EML’s technology is a secure, adaptable ecosystem designed for evolving industry needs. Our people inform the design of our systems and solutions, to enhance the service we provide to our customers. Our mission is to streamline claims management activities while ensuring compliance and innovation.
Solutions developed in house
Our technology solutions support our people to focus on proactive claims management to help people get their lives back.
Streamlining recovery processes
An app which helps workers self service and take control of their recovery.
The core of claims management
A powerful, seamless claims management system.
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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.
