The EML Group is a 100% Australian-owned business, focused solely on providing claims management services personal injury and illness insurance products.
We operate as a partnership of Employers Mutual Limited, an APRA-regulated general insurer and a mutual owned by its members since 1910, and ASWIG Management, which provides expertise in insurance and operational management.
Today, the EML Group includes our insurance companies and EML Group companies providing third-party administration services to our insurance and superannuation partners and clients.
To deliver everything EML Group does, we work in partnership with ASWIG Management Pty Ltd to power our operations – whether we’re pioneering claims technology, strengthening insurance scheme performance or helping shape fairer, more sustainable systems. This partnership has been a cornerstone of the Group’s success since its establishment in 1910.
Through our Mutual Benefits Program, Employers Mutual invests 50% of its profits in initiatives to prevent injuries and improve claim outcomes for EML Group clients. We also partner with government and industry to help make the claims experience fairer and better for everyone, strengthening how personal injury schemes work nationwide.
Our impact defines who we are. We’re the award-winning company that is trusted to support more Australians through injury than any other provider.
Together, our mutual purpose and partnership provide the stable, well-governed foundation for our work with regulators, insurers and scheme partners – a model that has supported Australians for generations.
Our EML Board ensures transparency, accountability and operational efficiency, guiding our strategy and performance. They manage risk and finances, while empowering our executive team to make key decisions that fuel business growth and success.
ASWIG Management Pty Ltd powers the EML Group, driving efficiency and innovation across our commercial operations, systems, and staff. Owned by executive management who have unmatched expertise in personal injury care, ASWIG shares in 50% of the profits it generates.
Our executive leadership team drives the strategy and growth of EML Group, shaping our people and the future of personal injury care. Their expertise delivers exceptional results and ensures long-term success for our customers.
The EML Group is made up of a group of companies owned and operated by a partnership between Employers Mutual Limited ABN 67 000 006 486 AFSL 530875 and ASWIG Management Pty Limited ABN 52 002 617 012, providing personal injury claims management and administrative services to government and non-government entities across the workers compensation, life insurance and sickness and accident industries.
Employers Mutual Limited is a mutual, is owned by its members and is the APRA regulated general insurer providing the Mutual Benefits Program within the EML Group.
EML Solutions Pty Limited ABN 77 613 902 346 AFSL 530877 and any subsidiaries under that company are a part of the EML Group that provides claims management and administrative services across the following personal injury claims areas including federal and state-based workers compensation self-insurance, life insurance, general insurance – CTP and sickness & accident.
EML Management Pty Limited ABN 45 667 001 710 and any subsidiaries under that company are a part of the EML Group that provides claims management and administrative services under government workers compensation schemes. This includes:
EML NSW Limited ABN 52 003 201 885 for the Nominal Insurer (icare) and for certain NSW government agencies (Insurance for NSW);
EML VIC Pty Limited ABN 93 606 104 910 for Worksafe Victoria;
Employers Mutual SA Pty Limited ABN 48 145 330 543 for the ReturntoWorkSA scheme; and
EML National Pty Ltd ABN 39 127 523 031 for the Comcare scheme, as the reserve workers compensation claims management service provider.
The EML Group consists of other companies and brands such as Hospitality Industry Insurance Limited ABN 34 124 091 470 (HII), a specialised workers compensation insurer for the hospitality industry in New South Wales and Trinity Insurance, a specialised workers compensation insurance provider for the Roman Catholic Church and in its religious institutions in New South Wales.
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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.
