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

Keeping workflows smooth and secure

At EML Group, we recognise that security is not just about protection....

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Inside the minds of Australia’s workplaces: A groundbreaking mental health white paper

EML proudly hosted events in Sydney and Melbourne to launch our latest...

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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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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

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Leadership and governance

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In the community

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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

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

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News

News and community

Keeping workflows smooth and secure

3-minute read
16 June 2025

Inside the minds of Australia’s workplaces: A groundbreaking mental health white paper

EML proudly hosted events in Sydney and Melbourne to launch our latest...

Proposed NSW reforms bulletin

The NSW Government has announced its intention to introduce reforms that will...

Supporting superannuation trustees after ASIC’s review

In April 2025, ASIC released its report, “Taking ownership of death benefits:...

Latest news

News and stories, in the community

Uncover the latest news and happenings from in and around the EML Group. From the launch of new tools and programs, to our community initiatives and partner activities.

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Little conversations make a big difference

In her nomination, Nico’s colleagues commented on her empathy and her ability to work ...

3-minute read
31 August 2023

Award-winning collaboration for better mental health

The partnership between EML and Steering Healthy Minds (SHM) has achieved recognition by being ...

3-minute read
14 August 2023

EML sponsors the Australian team at the Physical Disability Rugby League World Cup

EML is proud to be sponsoring the Australian team in the upcoming Physical Disability ...

3-minute read
19 October 2022

Winners of the Personal Injury Industry Awards

Congratulations to our two #TeamEML finalists who received Personal Injury Education Foundation Awards for ...

2-minute read
12 October 2022

Supporting those who support us

EML Police Claims Team and the NSW Police Force (NSWPF) Workforce Safety Command have ...

2-minute read
28 September 2022

Adapt and innovate – onboarding and developing new case managers

Bradley Martin, Learning Partner for RTWSS says: “The experience new starters have during onboarding ...

3-minute read
27 September 2022

Sporting clubs support firefighter welfare

"EML is proud to support FRNSW in the implementation of this innovative injury prevention ...

2-minute read
15 August 2022

Mutual Benefits Annual Reports

Discover how we've gone above and beyond for employers, injured workers and the communities ...

1-minute read
2 May 2022

Award finalist supporting serious injury

EML’s police team have been selected as a finalist in the Excellence in Personal ...

2-minute read
27 September 2021

News and community

Latest news

News and stories, in the community

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