A proven track record

Specialist expertise for all personal injury insurances

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For more than 115 years, EML has been helping Australians get their lives back after injury or illness. Our solutions extend across all personal injury products.

As a trusted third-party administrator (TPA), EML delivers claims solutions to all areas of the personal injury insurance market. We tailor our approach to align with partner objectives, focusing on reducing claim duration, mitigating risks, and enhancing member and claimant satisfaction.



EML offers industry-leading expertise, robust financial resources, and a highly skilled workforce to meet the service and governance requirements of our partners. 



With more than 3,600 Australian-based employees across our 12 national office locations, we manage over 91,000 personal injury claims annually, making EML one of the largest and one of most experienced provider of personal injury and illness claims management services in Australia.

Why choose us

Find out what makes us unique

The EML difference

Injury and illness claims management is all we do

We own the technologies and claim management system we offer

We use best-practice communication to realise sustainable claim outcomes

We use industry-leading tools and partnerships to enhance our approach

We are passionate about the customer experience

We maintain compliance to regulatory requirements

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See our service offering

Streamlined claims for non-work-related illness and injury, reducing risk, cost, and time to recovery.
Complex life insurance claims sensitively managed with the expertise and care your members deserve.
Expert, tailored management of income protection, TPD, and death claims, protecting your funds and members.
Complete license management that ensures performance, compliance, and reduces risk.
Confident, expert resolution of the most complex, long-running claims across every portfolio.

High-volume CTP claims managed with speed and care and trusted by major insurers.

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