Resources 7 -

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

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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Supporting superannuation trustees after ASIC’s review

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

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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

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Leadership and governance

Our corporate governance

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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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Work with us

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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

What to expect when you leave the NSW Police Force

Leaving a job you enjoy can be challenging. Even more so if it is a forced...

Article

Work it out – PTSD & emergency services

Physical activity plays an important role not only in maintaining mental wellbeing but managing the symptoms...

Article

Return to work coordination – 3-part series

Our new Return to Work Coordination courses have now been updated and released. These courses are...

Seriously injured: Jed and Cheryl’s story

Jed still remembers being stuck under the machine he was operating to dig fence posts on...

Video

Diet and mental health

Watch and learn with Dietitian Dr. Scott Teasdale PhD, as he explains what happens to you...

Article

Family support for injured workers

When injury strikes, it impacts not only the injured person, but the people around them –...

Article

Delivering leading treatments for PTSD in emergency services

In Australia, there are approximately 80,000 full time emergency services personnel who play a critical role...

Article

Gauging mental health in the workplace – it starts at the top

Workplace Mental Health Expert, Author, Trainer & International Speaker Anna Feringa, discusses stress, and more particularly,...

Article

What happens when my partner is in inpatient care?

Inpatient care involves admission to hospital. It is recommended for people who are extremely ill or...