The Board of Directors and senior management of EML commit to high standards of corporate governance, ensuring we protect the interest of our members and meet constitutional, federal, state and regulatory laws.
EML Group is a specialist in personal injury claims management. The Group consists of a mutual insurance company, Employers Mutual Limited, and ASWIG Management Pty Ltd – an operating company responsible for the commercial management of operations. This structure has been a cornerstone of the Group’s success since its establishment in 1910.
Our corporate governance statement outlines the framework and procedures that guide us. Integral to our approach is compliance with Australian Prudential Regulatory Authority standards, as well as a commitment to effective stakeholder communication.
As an Australian-owned mutual, we are owned by our members and not by shareholders. We reinvest our profits back to our employer members and their workers. You are an employer member if you have a workers compensation policy through EML or Hospitality Employers Mutual Limited.
Employers Mutual annual reports and annual reviews provide an account of each past year’s operational and financial performance.
Annual reporting is an integral part of corporate governance that provides insight into the facts and figures behind our drive to help people get their lives back.
Our corporate governance statement outlines the framework and procedures that guide us. Integral to our approach is compliance with Australian Prudential Regulatory Authority standards, as well as a commitment to effective stakeholder communication.
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.
