Resources 4 -

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

Proposed NSW reforms bulletin

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

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Supporting superannuation trustees after ASIC’s review

In April 2025, ASIC released its report, “Taking ownership of death benefits:...

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Finalists in the 2025 icare NSW Case Management Awards announced

Congratulations Ali, Catherine, Dakota and Greg for being named finalists in this...

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Protecting workers’ rights and upholding fair payment practices

The Australian Government has legislated a significant legal change with the introduction...

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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 and governance

Our corporate governance

Our annual reports

Our EML board

Our ASWIG board

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

Apps for wellbeing

Take a look at our list of helpful apps and online tools designed to support your...

Article

What is a mental breakdown?

You may have heard people in your life or even just in the media use the...

Collection

Ageing workforce

This collection provides a range of helpful resources to support employers, supervisors and employees navigate unique...

Article

Preventing disability with PGAP

Chronic pain and long-term injury are among Australia’s most expensive health problems and a significant cause...

Collection

Family support for emergency services

Family support of an emergency service professional: husband or wife, partner, son, daughter or sibling, can...

Article

Career transition: Support services and programs

EML has compiled a list of the support services and programs health practitioners can share with...

Guide

Resources to help prevent and manage OVA

Help prevent and better manage occupational violence and aggression incidents in your workplace with these resources...

Article

NSW support services – for you and your family

These NSW support services can help you, your family and support network access additional supports to...

Guide

Support services

There are numerous options available to support you regardless of what stage in your rehabilitation you...