Our history

Our workforce surpasses 3,500 employees across Australia and is named by Great Place To Work® Australia New Zealand Pty Ltd and ranked in the top 10 of the Best Workplaces in Australia in the large employer category for 2024. 

Over $142M invested in creating safer workplaces through the Mutual Benefits Program (which is 100% funded by and accountable to Employers Mutual Ltd) since 2012.  

WorkSafe Victoria extends our contract to 30 June 2028. 

We are appointed as a third-party administrator to Comcare in the management of workers compensation claims under their delegated authority. 

We pass 18 years of operation and 50,000 mobile case manager visits in South Australia.  

Our self-insurance portfolio grows to 15 clients nationally. Our team of more than 150 personal injury specialists support a range of clients in state based self-insurance.  

Our first AI solution is integrated into the claims management process, helping our people easily understand complex medical information to assist in their decision making. 

In NSW we end the year ranked first in the majority of key icare performance metrics compared to all NSW Claims Service Providers (CSPs) while managing 76% of the Scheme’s open claims. 

Hospitality Employers Mutual rebrands as Hospitality Industry Insurance (HII). HII expands its licence to cover additional industries including cafés, restaurants and takeaway food services. 

Employers Mutual Limited trading as Trinity Insurance (Trinity) secures a Specialised Licence.

This licence allows Trinity to underwrite and provide workers' compensation insurance to employers primarily engaged in activities associated with the Roman Catholic Church and its religious institutions. 

Our Victorian mobile case management service hits a major milestone of two million kilometres travelled and more than 10,000 face to face visits undertaken since starting in 2016. 

Our new mobile app RecoveryMate is released for injured workers in our HII, Federal Self Insurance (FSI), National Self Insurance (NSI), Insurance for NSW (IfNSW) and Trinity portfolios. 

RecoveryMate provides workers with the ability to easily access claims information and self-service activity relevant to their claim.  

We celebrate 10 years of Pivotal, our proprietary built personal injury claims management system, supporting clients across workers compensation (national self-insured), compulsory third party and life insurance; empowering us to effectively and efficiently manage 11 schemes across all jurisdictions. 

We partner with ReturntoWorkSA (RTWSA) to lead the design of a new and innovative claims system with the aim of improving outcomes for injured workers, enhance the customer and user experience and positively contribute to the sustainability of the SA Scheme.

The total investment by the Mutual Benefits Program surpasses the significant milestone of $100M since 2012. 

We successfully win a 10 year contract with icare to continue to support employers and workers across NSW on behalf of the Nominal Insurer.  

WorkSafe Victoria extends our contract to 30 June 2025. 

We launch Surgery Sleuth, an industry first solution that prevents medical leakage by ensuring accurate surgical billing designed to help reduce employer premiums and supports scheme sustainability in NSW. 

We successfully partnered with an insurer to enter the South Australia Compulsory Third Party (CTP) Insurance market. 

We secure a further five-year contract extension with ReturntoWorkSA (RTWSA). 

WorkSafe Victoria initially extends their contract with us by two years, and we gain market share of 6.87%. We subsequently increase our market share to 21% and support 50,000 employers. 

Our mobile case management program begins in NSW providing in-person support services to workers and employers.  

icare extends the Agreement with us for 12 months to service the Nominal Insurer. The agreement includes claims service changes and a $20 million joint investment program. 

We successfully partnered with an insurer to enter the New South Wales Compulsory Third Party (CTP) Insurance market. 

We implement Robotic Process Automation in our claims process to efficiently manage the forecasted rise in claims in the hospitality industry due to the pandemic.  

EMLife wins the ‘best service provider award’ in the Insurance and Business Australia awards.  

icare reappoints us to manage workers compensation claims for the Treasury Managed Fund (TMF) for the next five years.

We commence supporting 320,000+ businesses insured within the Nominal Insurer in New South Wales, icare.

ACT Government chooses to partner with us as it moves to self-insure its most important asset, its 22,000-strong workforce.

We release our general insurance - accident and health claims management offering to complement our statutory insurance claims business, providing customers a seamless claims management experience across their people risk insurance.

In the fourth Scheme Agent contract tender in NSW we are awarded “100%” of the Scheme’s new claims from January 2018, operating under the icare directed claims service model.  

We enter the Victorian workers compensation scheme for the first time. WorkSafe Victoria chooses us to become part of its panel of workers compensation agents. 

Our mobile case management program begins in Victoria, providing in-person services to workers and employers to facilitate faster recovery and return to work 

We launch a specialist life insurance claims management service: EMLife. 

We pioneer an industry-first mobile case management program in South Australia. 

In the third Scheme Agent contract tender in NSW, we retain our full portfolio. 

We're awarded a national contract to manage claims for Woolworths Limited under a self-insurance scheme, supporting over 220,000 employees nationally. 

Recognising the need for a specialised claims management system tailored to personal injury cases, we begin the design and development of our core application, Pivotal. Created by claims managers for claims managers, Pivotal is purpose-built to meet the unique demands of personal injury claims management. 

ReturnToWorkSA extends our contract and we now manage 50% of their scheme. 

Clubs NSW joins Hotel Employers Mutual Limited, and takes a 25% share of AHA NSW, and the industry owned workers compensation scheme provider changes its name to Hospitality Employers Mutual Limited (now known as Hospitality Industry Insurance of HII)– servicing the accommodation, hotels, pubs and clubs industry in NSW. 

icare expands our share of the scheme from 25% to 50%, managing claims for NSW Police, Fire and Rescue NSW and continuing to manage claims for NSW Health (South).

We celebrate our centenary with over 1,000 employees managing premium exceeding $1 billion. 

In NSW's Second Scheme Agent contract tender, we retain full portfolio and awarded a significant volume of long tail claims. 

Prioritising cybersecurity in our operations, we achieved the ISO 27001 certification - the global standard for information security management systems. This certification provides a robust framework for managing and safeguarding our information assets. 

With the AHA NSW we formed a joint venture partnership: Hotel Employers Mutual (HEM). HEM was awarded the sixth industry-aligned Specialised Licence by WorkCover NSW (now icare), providing accommodation hotels and pubs with an alternative choice for their workers' compensation provider. 

With an expanded workforce of 540 employees, we are appointed sole agent for WorkCover South Australia (now ReturnToWorkSA). 

We are the only Scheme Agent to retain its full portfolio through in the first Scheme Agent contract tender in NSW. 

Our workforce reaches 240 employees. 

We become an appointed claims manager of the NSW Treasury Managed Fund (now icare) for government employees. 

We begin managing the Coal Mines Insurance Industry Scheme and take on public liability for association schemes. 

We continue to manage claims for icare with 35 employees managing a premium of $29 million. 

The underwriting of NSW workers compensation shifts to WorkCover NSW (now icare workers insurance), and we are awarded a licence as a Managed Fund Insurer. 

The mutual achieved the incredible feat of an unbroken 54-year record of paying large rebates to policyholders. 

Premium rebates from the 1920s to 1960s average around 50%, substantially higher than almost all other insurers of that time; testimony to our success as a mutual specialist in workers compensation. 

The Great Depression saw the closure of many businesses and insurers however advertisement from this time notes the business “is still thriving, despite the depression and is paying its policyholders the usual substantial bonus refund”. 

The mutual structure achieves great success with every policyholder receiving a 60% rebate off their premiums. 

The Master Carriers Mutual Indemnity Association Limited, Master Plumbers Mutual Indemnity Association Limited and the Master Bakers Mutual Indemnity Association merge to become Employers’ Mutual Indemnity Association Ltd. 

The Master Carriers’ Mutual Indemnity Association Ltd begins. 

The concept of workers insurance spreads to other industries and the Master Plumbers’ Mutual Indemnity Association Ltd is formed. 

Employer and employee groups acknowledge the need for appropriate benefits to be paid to workers who had been injured on the job. 

A large baking business, Great Southern Bakeries, and the Master Bakers Association decide to provide workers compensation to the baking, plumbing and transport industries in NSW. They establish the Master Baker’s Mutual Indemnity Association Ltd, staffed by five employees.