State-based self insurance

Workers compensation claims for self insured businesses
<strong>Breanna Bergin</strong>
Breanna BerginGeneral Manager, National Self Insurance
“Self-insurance is a big decision for any business. Our team appreciates being a TPA for your business and are committed to supporting your injury management and license needs.”
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When workplace injuries happen, quick and effective support is essential. For self insured businesses, it’s up to the employer to arrange care and recovery. Since 2014, we’ve helped businesses confidently manage this responsibility as a third-party administrator (TPA).

As a trusted TPA for self insured companies across Australia, we ensure claims are handled in full compliance with state legislation, prioritising employee recovery and return-to-work. Self insurance gives businesses more control over workers compensation claims, helping them to manage costs and streamline the process and experience for injured workers.

With experienced claims specialists across Australia who understand the challenges and requirements of self insurance, our tailored support ensures employers and workers are well taken care of, no matter where they are.

Choose your pathway to support

I'm a worker

Lodge a claim, ask about a claim, and access workplace health and safety support

I'm an employer

Start your claim, check your claim status, and get the support you need to recover

I'm a broker

Get tailored solutions for your personal injury insurance needs

I'm a provider

Work with our team to support recovery and deliver the right care

Request a copy of our Capability Statement for Self-Insurance​

Get in touch

To learn more about our offering, contact one of our team:  

David Pickering

Group Executive, Claims Solutions
D.Pickering@eml.com.au

Susie Walford

General Manager, Federal Self-Insurance
S.Walford@eml.com.au

Bree Bergin

General Manager, National Self-Insurance
B.Bergin@eml.com.au

Resources

Free tools to support recovery and provide a safer workplace

Training

Customised and flexible learning for workplace peace of mind

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Workers compensation: National updates and insights

This course is designed to provide employers with an update on current issues impacting workers compensation schemes, the latest trends, external factors and legal implications, and the expected implications of these issues for employers. Topics include: Overview of Workers Compensation in Australia; State Schemes updates and impacts.
Host : Internal

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Managing risk in an ageing workforce

Workforces are more age-diverse than ever, bringing both opportunity and evolving risk. This session explores the physical, psychological, and organisational risks associated with an ageing workforce, and how these can impact health, safety, and performance. Participants will gain practical strategies to support safe, sustainable work and build more age-inclusive workplaces.
Host : Recovre

Stay S.A.F.E.R.® de-escalation program

Workplace interactions can sometimes become challenging, emotional, or confrontational. The Stay S.A.F.E.R.® De-escalation Program provides practical skills and strategies to help participants recognise early signs of escalation, respond effectively to heightened emotions, and support safer, more positive outcomes for everyone involved. This interactive workshop explores the Escalation Cycle and equips participants with techniques to prevent situations from intensifying, communicate effectively under pressure, and apply de-escalation strategies in a range of workplace contexts. Participants will also learn how to maintain safety during emergency situations and reflect on incidents to support continuous improvement.
Host : Our Curious Minds

Fatigue is more than tiredness

Fatigue is now recognised within psychosocial hazard frameworks, not just as a physical safety issue but as a psychological risk factor. Ongoing workload pressure, long hours, mental load, and emotional strain can erode coping capacity, judgement, and wellbeing. This session helps leaders recognise fatigue as an early risk indicator.
Host : Lysander

Upcoming sessions

Browse our training across workers compensation, health and safety, return to work and mental health.

Decoding intangible factors: Maximise return to work outcomes

Why do two workers with the same injury have vastly different recovery outcomes? The answer lies in the psychosocial landscape. Work Healthy Australia will explore the psychological drivers of return-to-work success. Join us for a data-driven, practical session designed to turn complex psychosocial theory into actionable workplace recovery strategies.
Host : Work Healthy Australia

Role of the Return to Work Coordinator (VIC)

This WorkSafe Victoria endorsed Return to Work (RTW) program is designed to equip RTW Coordinators with the tools they need to effectively manage return to work under the requirements of the legislation and the principles of effective injury management. A WorkSafe endorsed certificate will be provided upon full participation in the two-day RTWC program. All pre work materials will be provided.
Host : Workplace Interventions

Understanding biopsychosocial risk factors and assessments

Successful recovery after a workplace injury is influenced by more than the diagnosis or severity of injury. Research consistently demonstrates that psychosocial factors often have a greater impact on recovery and return-to-work outcomes than the physical injury itself. This session provides employers, RTW coordinators and supervisors with practical knowledge to identify psychosocial risk factors that may delay recovery, understand the purpose of biopsychosocial assessments, and implement workplace strategies that support recovery and durable return-to-work outcomes.
Host : KINNECT

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