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

NSW workers compensation scheme reforms announced

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

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70,000 in-person visits to support recovery!

Our SA mobile claims team has reached a major milestone – 70,000...

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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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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
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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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News

News and community

NSW workers compensation scheme reforms announced

10-minute read
16 December 2025

70,000 in-person visits to support recovery!

Our SA mobile claims team has reached a major milestone – 70,000...

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

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

Mutual Benefits Program Annual Report Release

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

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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Preventing workplace musculoskeletal disorders

Proactively addressing musculoskeletal disorder (MSD) risks is key to fostering safer workplaces. ...

4-minute read
11 December 2024

Don’t just tough it out: Nick’s positive story of recovery

Injured worker Nick Johansen has been named a finalist in the 2024 WorkSafe Awards ...

3-minute read
11 December 2024

Shifting landscape impact Australian workers

A recent report on Australia’s workforce health by Monash University’s School of Public Health ...

3-minute read
11 December 2024

15,000 visits to aid recovery

Our team of 14 mobile case managers in Victoria met a major milestone in ...

2-minute read
10 December 2024

Top safety tips for the festive season

This time of year is often marked by increased workloads, tighter deadlines, and heightened ...

3-minute read
9 December 2024

Better injury management and psychosocial safety

Work-related injuries and psychosocial hazards significantly impact businesses, affecting productivity and profitability. ...

3-minute read
2 December 2024

Leading the Way – EML Health Innovations Forum

On Wednesday, 6 November 2024, EML hosted the Leading the Way: EML Health Innovations ...

3-minute read
22 November 2024

Delivering better PTSD treatments for frontline workers

Ensuring that emergency services workers get the best care and treatment for post traumatic ...

2-minute read
15 November 2024

A new podcast on psychosocial risk

EML is thrilled to announce our sponsorship of ‘Judgemental: A psychologist and a lawyer ...

2-minute read
7 November 2024

News and community

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