Resources -

Workers compensation

NSW Nominal Insurer (icare)

The Nominal Insurer (icare) is the workers compensation scheme in NSW, covering most workplaces (excluding the public sector, self-insured employers, and employers in a specialised insurance scheme). EML is appointed as a Claims Service Provider by icare. Explore the services we offer today.

I’m a worker

I’m an employer

I’m a broker

I’m a provider

icare Insurance for NSW

icare Insurance for NSW and its Treasury Managed Fund covers public sector workplaces, like police, ambulance, and government offices. Discover your support options here:

I’m a worker

I’m an employer

I’m a provider

WorkSafe Victoria

WorkSafe Victoria’s WorkCover scheme is for Victorian companies and employees. Discover your support options under WorkCover:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

ReturnToWorkSA

ReturnToWorkSA covers South Australian workers and businesses. Discover your support options here:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

Comcare

Comcare is for federal employers and workers covering the Commonwealth, ACT Government, or companies licensed under Comcare. Discover your support options under Comcare:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

State-based self insurance

State-based self insurance is for businesses that choose to manage their workers compensation claims, meeting state requirements. Discover your support options if you’re self insured:

I’m a worker

I’m an employer

I’m a broker

I’m a provider

We help people get their lives back

“My goal was to get back to work and get back to life”

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Claims solutions

Accident & Health
Streamlined claims for non-work-related illness and injury, reducing risk, cost, and time to recovery.

Life insurance
Complex life insurance claims sensitively managed with the expertise and care your members deserve.

Superannuation
Expert, tailored management of income protection, TPD, and death claims, protecting your funds and members.

Specialised license management
Complete license management that ensures performance, compliance, and reduces risk.

Long tail claims
Confident, expert resolution of the most complex, long-running claims across every portfolio.

Compulsory third party (CTP)
High-volume CTP claims managed with speed and care and trusted by major insurers.

Expertise, backed by experience

No matter the need, our specialist approach has a solution.
Mutual Benefits

Training
Extensive range of training events and free access to e-learning courses via EMlearning.

Partnerships
Partnering with organisations that are committed to improving lives.

Mental health resource centre
A commitment to supporting workplaces and their employees with mental health resources and training.

Tools
Free online tools designed to simplify workplace health, safety and wellbeing.

Research & Innovation
A commitment to thought leadership, we invest in research to shape best practice in the personal injury industry.

Resources
Access to free workplace health and safety resources, injury management guides and videos.

Mutual Benefits Program

From prevention to recovery, we invest in innovative solutions with industry experts to tackle industry challenges and drive positive change.
News & Community

Proposed NSW reforms bulletin

The NSW Government has announced its intention to introduce reforms that will...

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Supporting superannuation trustees after ASIC’s review

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

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Finalists in the 2025 icare NSW Case Management Awards announced

Congratulations Ali, Catherine, Dakota and Greg for being named finalists in this...

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Protecting workers’ rights and upholding fair payment practices

The Australian Government has legislated a significant legal change with the introduction...

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Awards

2024September

PIEF 2024 Excellence in Personal Injury and Disability Management Awards has shortlisted four EML finalists

2023August

EML’s Nico Coad has won the Excellence in Customer Service Award at this year’s Personal Injury Education Foundation Awards for Excellence in Personal Injury and Disability Management.

2022October

EML’s Robyn Shepherd has won the Excellence in Injury & Disability Management (Return to Work/Community) Award at this year’s Personal Injury Education Foundation Awards for Excellence in Personal Injury and Disability Management.

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Partners & Sponsorship

We sponsor events and partner with organisations that commit to improving lives.

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About us
Who we are

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Leadership and governance

Our corporate governance

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Our ASWIG board

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In the community

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Today, we are EML

More than 115 years later, we are still helping people get their lives back

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Work with us

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Our people thrive on helping others. Make a difference at EML.

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Resources

Stay informed, drive progress

As leaders in personal injury, we are committed to developing and sharing resources which help everyone in the claims process. Staying informed, sparks inspiration and drives progress.

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Guide

Return to work video series

Managing workers insurance and personal injury claims can be challenging, so we’ve developed four helpful videos...

Article

Digital distractions on wheels

Digital Distractions on Wheels: Navigating the Complexities of Infotainment in Australian Personal Injury Schemes...

Getting back on the road after PTSD

Andrew Mifsud has been driving trucks for more than 30 years, but nothing could prepare him...

Article

5 ways to get you moving at work

We all know that staying active is important, not only does it help you keep physically...

How David got back to his beloved horses

David Wrout suffered a serious spinal cord injury and wondered what his future would be. David...

From one-punch victim to football champion

Fred was working as a security guard in Sydney’s CBD when he was victim to a...

Article

The power of in-person care

Since 2021 our dedicated team of Mobile Case Managers have made over 13,500 visits with workers,...

Rob’s story

When Rob fell ill whilst travelling for work, neither he or his young family knew the...

Article

Preventing secondary mental injuries

Did you know that your employee who has a physical injury could be at risk of...