Resources 8 -

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 named finalist in 2025 Comcare National Work Health and Safety Awards

EML Group has been announced as a finalist in the 2025 Comcare...

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R U OK? Day: Conversation heroes

Every day, our incredible partners work hard to foster workplaces where mental...

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You’re in safe hands with EML

The results are in and EML has once again set the standard...

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EML win Service Provider to the Insurance Industry at the ANZIIF Awards!

We're incredibly proud to share that EML Group was named the winner...

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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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Our awards

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Leadership and governance

Our corporate governance

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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

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...

Article

Why is my loved one so angry?

Anger is a common reaction for many who have experienced a traumatic incident....

Owning your injury – Chris and Robyn’s story

Chris’s life changed in an instant when he was involved in a serious car accident while...

Article

Tips on managing psychological risks in your workplace

In Australia, employers are obligated to eliminate or minimise psychosocial risks as far as reasonably practicable....

Article

What is a safety plan? Why am I being asked to participate?

A safety plan describes the steps that need to be taken to keep your loved one...

Article

What is trauma?

Sometimes people refer to ‘the trauma’ of seeing or experiencing something, and other times we might...

Article

Why is my loved one drinking more?

In the Beyondblue Answering the Call report, it was identified that emergency service workers had high...