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 Group and Matthew Vickers named Finalists in the 2025 Business NSW awards!

EML Group and Matthew Vickers named Finalists in the 2025 Business NSW...

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Improving workplace safety for nurses

$950K investment: improving workplace safety for nurses...

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PTSD at Work: Global Perspectives international forum

PTSD at Work: Global Perspectives international forum...

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EML Group and HII named 2025 finalists in the 21st Australian Insurance Industry Awards

EML Group and HII named 2025 finalists in the 21st Australian Insurance...

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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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Our commitment

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Our awards

Our technology

Leadership and governance

Our corporate governance

Our annual reports

Our EML board

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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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People's story

Seriously injured: Jed and Cheryl’s story

Jed still remembers being stuck under the machine he was operating to dig fence posts on a construction site. Tragically, the workplace accident required amputation of part of his left leg.

With the support of his family, health practitioners and EML case manager Cheryl, Jed showed great courage and perseverance to recover and get back to life with his family.

His rehabilitation sparked a keen interest in fitness. In 2024 Jed won gold for Australia at the Paris Paralympics in rowing, with teammate Nikki Ayers.

Watch his inspiring story of recovery.

Top resources

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...

Other resources

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...

Guide

Return to work video series

Managing workers insurance and personal injury claims can be challenging, so we’ve developed four helpful videos...

Start a new journey today

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The EML Group is made up of a group of companies owned and operated by a partnership between Employers Mutual Limited & The Trustee For ASWIG Management Trust ABN 23 923 166 503, to find out more information about the EML Group click here.