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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Leadership and 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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Work with us

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

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Video

Preventing manual task injuries

Manual task injuries put tradies (and the people that work with them) out of work across Australia every day.

Watch Occupational Therapist Brad Gerlach demonstrate safer manual handling techniques in the videos below:

Pushing or pulling loads

Lifting or moving Loads

Static postures

These videos were developed by EML in consultation with Hindmarsh Plumbing and Master Plumbers South Australia.

Top resources

Article

Understanding workplace mental health: key findings from the EML white paper

Australia is at a pivotal point in how mental health risks are recognised and addressed in...

Article

Paving the way to recovery

Mental health claims which involve interpersonal conflict are some of the most complex we manage....

People's story

Never give up: Bob’s 15 year journey from injury to independence

Bob’s life changed forever one day in 2010. He headed to the mushroom farm in the...

Other resources

Article

Understanding workplace mental health: key findings from the EML white paper

Australia is at a pivotal point in how mental health risks are recognised and addressed in...

Article

Paving the way to recovery

Mental health claims which involve interpersonal conflict are some of the most complex we manage....

People's story

Never give up: Bob’s 15 year journey from injury to independence

Bob’s life changed forever one day in 2010. He headed to the mushroom farm in the...

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...

Preventing manual task injuries

Start a new journey today