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

EML Group and HII named 2025 finalists in the 21st Australian Insurance Industry Awards

EML Group and HII named 2025 finalists in the 21st Australian Insurance...

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Keeping workflows smooth and secure

At EML Group, we recognise that security is not just about protection....

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Inside the minds of Australia’s workplaces: A groundbreaking mental health white paper

EML proudly hosted events in Sydney and Melbourne to launch our latest...

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Proposed NSW reforms bulletin

The NSW Government has announced its intention to introduce reforms that will...

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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
Who we are

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Leadership and governance

Our corporate governance

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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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Article

New videos available to support your recovery

Recovering from a workplace injury or illness can be different for everyone and recovery can take time.

These videos have been designed to provide helpful tips on making the most of your rehabilitation and the benefits of making a successful recovery at work.

To find out more about the services we offer, please contact your EML Group Case Manager or visit our worker resources page.

Supporting your recovery videos

Managing Pain after Injury

Mental Health and Exercise

Starting Treatment with a Psychiatrist

Starting Treatment with a Psychologist

Starting Treatment with an Exercise Physiologist

Top resources

Tool

Judgemental podcast: Helping workplaces manage psychosocial risk

In the Judgemental Podcast, Kate Connors and Greg Smith discuss the nuance and diversity of impact...

Collection

Post-traumatic stress disorder (PTSD)

Resources for workers and clinicians to help protect emergency service workers from the impacts of post...

Article

Wellbeing conversation resources for leaders

Corporate Health is about more than just programs, it’s an organisational commitment to supporting the mental...

Other resources

Tool

Judgemental podcast: Helping workplaces manage psychosocial risk

In the Judgemental Podcast, Kate Connors and Greg Smith discuss the nuance and diversity of impact...

Collection

Post-traumatic stress disorder (PTSD)

Resources for workers and clinicians to help protect emergency service workers from the impacts of post...

Article

Wellbeing conversation resources for leaders

Corporate Health is about more than just programs, it’s an organisational commitment to supporting the mental...

Guide

Return to work video series

Managing workers insurance and personal injury claims can be challenging, so we’ve developed four helpful videos...

Article

Digital distractions on wheels

Digital Distractions on Wheels: Navigating the Complexities of Infotainment in Australian Personal Injury Schemes...

People's story

Getting back on the road after PTSD

Andrew Mifsud has been driving trucks for more than 30 years, but nothing could prepare him...

Start a new journey today

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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.