Light blue square shape on a colored background.
Simple blue icon representing a generic concept.

Supporting employers

Self insurance claims done right

Managing injury claims as a self insured employer doesn’t need to be challenging.

We’re here to make it easy. As the largest provider of claims management services for self insurers in Australia, we simplify the process, ensuring your claims are managed properly and in line with legislation. From coordinating medical care to overseeing rehabilitation, we support your business at every stage. As a third-party administrator (TPA), we work closely with your team to ensure your employees receive the care they need, in a way they expect from their employer.

Our people-focused approach and commercial expertise help you manage liabilities while ensuring a smooth and responsible recovery process that reflects your company values and culture. With a deep understanding of Australian self insurance obligations and strong relationships with workers compensation regulators nationwide, we ensure you maximise the financial and commercial benefits of self insurance while remaining compliant. And, through the Mutual Benefits Program, you’ll also get valuable free resources to enhance workplace safety, reduce risks, and improve your claims management performance.

Whether you’re new to self-insurance or need a better claims process, our teams of actuaries, business analysts, and technology experts give you the support, systems, and insights to manage claims confidently – so you can take care of your workers and your business.

Doing more than just the basics

Our claims model has been refined using insights from our Australia-wide exposure to workforce trends and industry best practice. In addition to specialist roles mental health specialists and legal specialists, our service model is propelled by innovations that enhance the recovery process and empower our front-line staff to deliver claims management activity which really makes a difference.

Valliant psychological support

The Valliant program places expert psychological resources at the very start of the claims process, ensuring injured workers receive specialised support from day one – before claims escalate, before treatment delays cause further harm, and before psychological injuries spiral into long-term work absences.

Read Less Read More

Custom claims management system

Our purpose-built personal injury claims management system is compliant with all regulatory requirements for every state and territory in Australia. With tailored workflows, integrated electronic document management and administrative efficiency, our system allows our people to focus on the activities which matter most.

Read Less Read More

Regulatory relationships

We recognise the critical importance of supporting our clients in regulatory relationships. Our scale and experience in self insurance has enables us to establish relationships with each state and territory regulator over decades. This enables us to monitor requirements in each jurisdiction to ensure our business processes align with current and evolving regulatory expectations, offering a unique benefit to our customers.

Read Less Read More

Actuarial services

Our Actuarial Services Team works with a range of our self-insured customers across state-based and national workers’ compensation schemes, as well as personal injury regulators. They monitor performance and perform deep-dive analyses to identify emerging trends to identify key drivers of claims costs and the efficacy of improvement initiatives. Together, we work with our clients to design strategic interventions to positively impact claim liabilities and provide support into establishing and monitoring performance targets at all operational levels.

Read Less Read More

Resources

Free tools to support recovery and provide a safer workplace

News & Community

Latest news

Inside the minds of Australia’s workplaces: A groundbreaking mental health white paper  

EML proudly hosted events in Sydney and Melbourne to launch our latest...

Supporting superannuation trustees after ASIC’s review

In April 2025, ASIC released its report, “Taking ownership of death benefits:...

EML named a finalist at the Insurance Business Awards

EML Group is delighted to be named a finalist in two categories...

Workplace heat safety

The start of the year is a good opportunity for us to...

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 across the jurisdictional Workers Compensation schemes of SA, NSW and VIC.
Host : Internal

Introduction to workers compensation and injury management

Employers have an obligation to support injured people in the workplace. This session will provide the basic requirements and best-practice principles for supporting injured employees to recover and return to work.
Host : PHSA

Upcoming sessions

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

Managing external workplace aggression and violence

This interactive training empowers participants to manage external aggression and violence in the workplace. It covers early warning signs, prevention strategies, and coordinated incident response, all through a legally informed and trauma-aware lens. Participants will explore case studies, apply psychosocial hazard management, and develop safety-focused policies. The course also highlights post-incident support, crisis communication, and fostering a culture of safety and wellbeing.
Host : Pinnacle Rehab

 Consequences and tragedy of workplace complacency

This special event will inspire individuals to recognise moments of complacency and shift their mindset on how they approach their work, regardless of their job. Every workplace and every worker must prioritise safety, not just as a necessity, so we can all go home safe.
Host : Let's Talk About Safety

Managing non work related injuries in the workplace

Nearly half of the population are estimated to have one or more chronic health conditions, and injuries are a leading cause of disease burden and death in Australia. This session provides practical, ethical and best-practice guiding principles for Australian businesses in managing non-work related injury and illness in the workplace.
Host : PHSA

Upcoming sessions

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

Role of the return to work coordinator – VIC

This 2-day training workshop, conducted in Melbourne Victoria and endorsed by WorkSafe Victoria, empowers RTW Coordinators with vital tools to effectively manage return to work processes in accordance with legislation and injury management principles. Participants will engage with content to learn how to facilitate safe and sustainable return to work plans under the WIRC Act 2013. A WorkSafe VIC endorsed Certificate will be provided upon full participation in the RTWC training.
Host : Recovre

Role of the return to work coordinator – VIC

This 2-day training workshop, conducted in Melbourne Victoria and endorsed by WorkSafe Victoria, empowers RTW Coordinators with vital tools to effectively manage return to work processes in accordance with legislation and injury management principles. Participants will engage with content to learn how to facilitate safe and sustainable return to work plans under the WIRC Act 2013. A WorkSafe VIC endorsed Certificate will be provided upon full participation in the RTWC training.
Host : Workplace Interventions

Addressing common recovery and return to work barriers

This workshop has been designed to help identify and address the key common recovery and return to work barriers experienced through the lens of each party active in a RTW process, including the worker, employer, claims agent and providers.
Host : IPAR

Upcoming sessions

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

Engaging leaders: Mental health training for managers

This workshop by Mental Health First Aid equips leaders with an understanding of mental health conditions, enabling them to promote awareness, enhance communication, and foster a supportive workplace that values mental health. By gaining insights into early intervention, empathy, and active listening, leaders can reduce stigma, boost productivity, and contribute to healthier, more engaged teams, ultimately driving organisational success.
Host : Wellbeing Campus

Mutual Benefits Masterclass – Inside the minds of Australia’s workplaces

Join Dr Michael Di Donato, Luke Sheehan, and Keith Govias as they unpack the Mental Health white paper, developed by EML in partnership with Monash University. Using national datasets, the paper highlights the rise in psychological injury claims, identifies systemic risks, and explores industry-specific challenges. The speakers will examine key findings, discuss emerging trends, and share practical, data-driven strategies to strengthen trust and support between employers and employees. This session provides valuable insights to help organisations create safer, more mentally healthy workplaces.
Host : Internal

New rules, better outcomes, integrating psychosocial care in the workplace

This session provides an overview of the “It Pays To Care” policy, and how psychosocial care can be applied in the workplace to enhance health and safety programs, strengthen workplace culture and employee wellbeing, and improve health and recovery outcomes for people who experience a workplace injury.
Host : IPTC
Person smiling, wearing headphones at a computer.
Get in touch your way
Chat with our local claim experts - we're always here to help