Resources 3 -

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

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

In 2025 we recognise a significant milestone for our Insurance for NSW...

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Mutual Benefits Program Annual Report Release

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

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New Psychological Health Regulations go live in Victoria

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

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NSW workers compensation scheme reforms announced

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

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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

Our company overview

Our history

Our commitment

Our culture and people

Our awards

Our technology

Leadership

Our corporate governance

Our annual reports

Our EML board

Our ASWIG board

Our executive leadership

In the community

Our partners and sponsorships

Our environmental responsibility

Today, we are EML

More than 115 years later, we are still helping people get their lives back

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Work with us

Work with us

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

Why EML

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Resources

Stay informed, drive progress

As leaders in personal injury, we are committed to developing and sharing resources which help everyone in the claims process. Staying informed, sparks inspiration and drives progress.

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Tool

Workplace risk and wellbeing tools

Creating a safer, healthier workplace starts with understanding key risk areas in the workplace and understanding...

Collection

WHS Poster Library

Search our range of WHS posters, available for you to download and start displaying in your...

Case study

Two million kilometres and counting

Mobile case management is having a profound effect on workers’ lives – it’s helping them get...

Guide

Your entitlements

The following information provides general advice on the entitlements that may be available to NSW Police...

Video

Spotlight: Pain after an injury

Musculoskeletal conditions are the leading contributor to disability worldwide, with lower back pain being the single...

Article

Revolutionising claims handling in superannuation

Revolutionising claims handling in superannuation: Lessons from personal injury schemes...

Collection

Occupational Violence and Aggression

We understand that many workers (particularly in the aged care and retail sectors) have experienced some...

Collection

Police Career Transition

Resources and support for NSW Police Officers transitioning to a new career....

Guide

No capacity for work

You have had your last day of service with NSW Police and you remain certified as...