Specialist insurance for the hospitality industry

The hospitality industry presents unique workplace safety and workers compensation insurance challenges

We created Hospitality Employers Mutual Limited (Hospitality) in 2008 to provide a solution. Hospitality gives NSW hotels and clubs an industry-owned workers compensation scheme provider.



Hospitality supports 1600 accommodation hotels, pubs and clubs in NSW. It provides insurance through two brands – Hotel Employers Mutual (HEM) and Club Employers Mutual (CEM).

Ownership is by EML (50%), AHA NSW (25%) and ClubsNSW (25%).  

We set the benchmark for the range of services, tools and resources we offer. We help members reduce risk and increase safety in the hospitality workplace.


Trained specialists

$2.7 billion in wages underwritten by a team of 39 specialists, many with allied health backgrounds.


Industry preferred insurer

Leading return to work rates and industry accolades for innovative and customer centric approach.


Free e-learning resource

Online tools, CEMLearning and HEMLearning. Provides professional training courses, learning management system and access to hospitality specific course dates.


Critical incident support service

Provides trauma counselling following serious work events.


Work health and safety initiatives

Work health and safety management systems, HEMSafe and ClubsWHS. Tailored to the hospitality industry. 


Go to Hotel Employers Mutual

Go to Club Employers Mutual