The website (“Website”) is owned by Employers Mutual Limited (ABN 67 000 006 486). It is operated by Employers Mutual Limited, Employers Mutual NSW Limited (ABN 52 003 201 885), EMPLOYERS MUTUAL SA PTY LTD (ABN 48 145 330 543), EML VIC PTY LTD (ABN) 93 606 104 910) and Employers Mutual Management Pty LTD (ABN 11 001 735 191) referred to collectively as “EML”.

Your access to this Website is subject to these Terms & Conditions (which include the Disclaimer and limitation of liability section below) and any other notices, statements, disclaimers or terms and conditions contained on this Website (referred to collectively as “Terms and Conditions”). By using or accessing this Website you agree to be subject to the Terms and Conditions.

In the remainder of these Terms and Conditions, references to “we”, “our” or “us” mean references to EML and all associated entities as that term is defined in the Corporations Act.


Access for persons within Australia only

This Website is only for the use of persons accessing it from within Australia. The products and services described in this Website are (subject to applicable criteria) only available to employers and visitors to the Website who are located in Australia.


Disclaimer and limitation of liability

To the maximum extent permitted by law, EML (and its employees, staff, contractors and board) hereby excludes all of its (and its associated entities) liability for, and shall not be responsible for, any direct, indirect, incidental, consequential or other loss or damage (however arising) suffered or incurred by you as a result of:

  • use of, reliance on or access to this Website including any of the material or information on it; and/or
  • use of any items or material sourced or obtained through the Website.

Further, no express or implied representation or warranty is made as to the suitability, accuracy or currency of any material on this Website.


This Website does not provide financial, health or legal advice

The content accessible on and through this Website should be used as a general guide only. The content does not take the particular circumstances of any person or organisation into account so please be aware that it is not to be used as legal advice, financial and insurance advice or health advice. The material on the Website is not a substitute for independent advice by an appropriately qualified practitioner.



Please click on the Privacy link at the foot of the Website. It contains information as to how we will treat your personal information.


Copyright, Intellectual Property and Links

No part of this Website or the material in it may be reproduced, extracted, published or distributed (unless specifically authorised by applicable law) without written permission of EML. Copyright in Website content is owned by us unless otherwise indicated. Intellectual property rights in our logos and trademarks remains vested in us and you do not acquire any such rights in our logos or trademarks by virtue of your access or use of this Website.

You are not authorised to provide any web or other links to this Website without our written permission. This Website may from time to time contain links to other websites (“sites”). Unless otherwise stated, we do not endorse the content in any other sites nor the organisation or entity providing the site. We do not accept any liability whatsover in connection with your access to any site or use of information on any such site. We do not represent that material on any linked site does not infringe the intellectual property rights of a third party.


General conditions

You are not permitted to access or use this Website for any unlawful purpose.

This Website and these Terms and Conditions are governed by the law in force in the State of New South Wales (or, should it be the case, other Australian states and territories in respect of employers and Website visitors residing there who are accessing the Website in that State) and the Commonwealth of Australia, and any disputes arising from use of or access to the Website or in connection with these Terms and Conditions are governed exclusively by the jurisdiction of the courts of that State or the Commonwealth as the case may be.

These Terms and Conditions can be modified at any time by EML and you agree to continue to be bound by these Terms and Conditions as modified and appearing within this Website. We will give notice of these changes by publishing revised Terms and Conditions on this Website – we will not separately notify any person of these changes.

If any of these Terms and Conditions are found by a competent court to be invalid, unenforceable or illegal for any reason, such provisions shall be severed and the remaining Terms and Conditions will continue in full force and effect.