Specialist insurance for the hospitality industry

At EML we have a long history in working together with employers and industry groups.

By working together we can better understand how our members manage their businesses, and we can work with them to find ways to reduce the incidents of workplace injury and achieve better outcomes for injured workers.

Hospitality Employers Mutual Limited (Hospitality) was created in 2008 to give members an industry-owned workers compensation scheme provider for the hotels and clubs industry across New South Wales.




Hospitality is focused on finding the right solutions to the challenges faced by the hospitality industry.

Hospitality supports over 1600 accommodation hotels, pubs and clubs in NSW, providing industry specific workers compensation insurance through two brands – Hotel Employers Mutual (HEM) and Club Employers Mutual (CEM).

The entity is owned by EML (50%), AHA NSW (25%) and ClubsNSW (25%).  

With a team of 42 trained specialists – most of whom have an allied health background – Hospitality underwrites over $2.5 billion in wages. Over the past seven years Hospitality has been the industry preferred insurer with leading return work rates and setting the benchmark in WHS support and activities for its clients.



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