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

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...

Read more

Mutual Benefits Program Annual Report Release

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

Read more

New Psychological Health Regulations go live in Victoria

New psychological health regulations came into effect in Victoria on 1 December,...

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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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Leadership

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

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News

News and community

70,000 in-person visits to support recovery!

2-minute read
12 December 2025

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...

New Psychological Health Regulations go live in Victoria

New psychological health regulations came into effect in Victoria on 1 December,...

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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70,000 in-person visits to support recovery!

Our SA mobile claims team has reached a major milestone – 70,000 face-to-face visits! ...

2-minute read
12 December 2025

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

In 2025 we recognise a significant milestone for our Insurance for NSW (IfNSW) business ...

4-minute read
4 December 2025

Mutual Benefits Program Annual Report Release

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

1-minute read
3 December 2025

New Psychological Health Regulations go live in Victoria

New psychological health regulations came into effect in Victoria on 1 December, which outline ...

4-minute read
1 December 2025

NSW workers compensation scheme reforms announced

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

10-minute read
18 November 2025

EML shines at the 2025 PIEF Awards with three winners

On Monday 27 October, we celebrated the incredible achievements across the personal injury industry ...

2-minute read
28 October 2025

Celebrating Mark Coyne: A leader redefining the personal injury sector

With over 22 years in the personal injury sector, including a decade as EML’s ...

3-minute read
23 October 2025

Gardener’s love of hiking motivates return to work

After a serious injury, Adele Ritchie returned to her gardening role motivated by her ...

3-minute read
22 October 2025

Judgemental podcast: what the data reveals about workplace mental health

Mental health conditions are now one of the fastest growing drivers of workers compensation ...

2-minute read
10 October 2025

News and community

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