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First founded in 1910, Employers Mutual Limited (trading as EML) is one of the oldest Australian public companies that provide workers insurance and compensation management services. It is one of the most respected work injury claims management services provider in Australia.

Operating in New South Wales, South Australia and Victoria with around 1,330 people, this company only provides their services in Australia. The company based in Sydney, together with branches in Parramatta, Newcastle and Gosford, New South Wales, and a South Australian branch in Adelaide. As one of the top 2000 companies in Australia, Employers Mutual Limited ranked 1127 in IBISWorld with total revenue of A$303.629 million in 2018.

The company reports a 2017 profit after tax was $11.3m, compared to a loss of $1.02m after tax on the prior year.

1910-1987
Employers Mutual Limited is a combination of three associations which is formed in the early 20th century.

After realising that the requirement of providing compensation to workers who get injured while working, Great Southern Bakeries and the Master Bakers Association set up the Master Baker’s Mutual Indemnity Association Ltd in New South Wales 1910. According to Employers Mutual Limited (2019), with 5 employees, the Master Bakers Association provides compensation services to workers in baking, plumbing and transport industries in New South Wales. This concept gradually separated into other industries at that time. Consequently, the Plumbers’ Mutual Indemnity Association (1912), and the Master Carriers’ Mutual Indemnity Association (1914) were established. These three association merged to become the Employers Mutual Limited in 1926.

After Employers Mutual Limited was established, the company enlarged and expanded its business throughout the following decades. The average premium rebates of this company from the 1920s to 1960s is around 50%, higher than the majority of the companies within the same industry at that time. In 1987, the company became an agent of the WorkerCover( now named icare workers insurance) in New South Wales, with a license to manage workers compensation claims.

2001 - 2016
Aiming at providing workplace compensation and health insurance to mining workers, Employers Mutual Limited established Coal Services Pty Limited in 2001. As a result, the company expand their services in to Coal mining industry in New South Wales.The number of the employees in Employers Mutual Limited increased to 240 and the company was appointed to manage the New South Wales Treasury Managed Fund (TMF) for government employees In 2005. In the following year, there were around 540 employees worked in the company and the company was appointed by WorkCoverSA ( now named ReturnToWorkSA ) as the sole management agent for workers in New South Wales. In 2008, the company expand their service into the hotel industry in New South Wales. Teamed up with the Australian Hotels Association (NSW), this company established Hospitality Employers Mutual Limited (Hospitality) to provide compensation insurance and compensation scheme service to workers within the hotel industry in New South Wales.The company further increased their service range in hospitality industry by cooperating with Clubs NSW to formed the Club Employers Mutual in 2012. Club Employers Mutual and Hotel Employers mutual are the two main brands that this company use to provide services in hotel industry in NSW. In the same year when Club Employers Mutual established, Employers Mutual Limited lost approximately 50% of their market share in South Australia due to a second claims agent were introduced to South Australia by WorkCoverSA ( now named ReturnToWorkSA ).

Employed Mutual Limited rebranded their company in June 2016, changed their trade name to EML, and became an agent for WorkSave Victoria to provide insurance and compensation services for workers in Victoria. With the goal of " provide customers with a seamless claims management experience across all people insurance covers ", EML is still working and expanding their service range in Australia.

Services:
As an insurance and compensation company, the basic condition for customers and workers to receive the insurance services is to purchase the minimum essential coverage that the insurance company required

icare - TMF
Since 2005, Employed Mutual Limited had become one of the agencies of icare to provide insurance and compensation services for government employees.

TMF refers to "Treasury Managed Fund", which is created ` the NSW government to reduce the NSW agency operation risk. TMF not only covers big insurance service program such as insurance of NSW icons, but also covers daily incidents such as workers compensation, general lines and travel protection services. As one of the service providers for icare, Employed Mutual Limited provides compensation service for workers, contributes their effort to help workers improve their health and return to work outcome,  improve the workplace injure management and prevention. Because of EML's contribution, this company is nominated and awarded by icare for 2018 Care & Service Excellence (CASE) Awards.

ReturnToWorkSA
Employed Mutual Limited started to become on of the case manager agency for ReturnToWorkSA in 2006.

The aim of ReturnToWorkSA is to provide insurance and compensation services for workers in South Australia who get injured when they are working. Employers need to pay annual insurance premium for employees. As for a case manage agency, EML provides face to face services for workers when they are injured because of their work and also provide services such as financial support and medical health care support to assist workers to get back to the workplace.

WorkSafe Victoria
Employed Mutual Limited was appointed by WorkSafe Victoria to provide insurance and compensation service in June 2016.

Aiming at keeping workers healthy and safe and delivering effective medical care to workers, WorkSafe Victoria provides workers in Victoria with compensation, rehabilitation and medical services. EML provides insurance and claims management services for WorkSafe Victoria. Additionally, EML provides mobile case agency services in Victoria for those employees who get injured and need assist to get back to workplace.This approach increase the efficiency of connection between workers and agency in Victoria.

Financial Performance
In 2001, Employers Mutual Limited was named as one of the top 20 largest ordinary shareholders by the Australian Stock Exchange with the number of 92,000 shares.

Key Personnel
The company board of directors is made up of a Chairman, three Non-Executive Directors and a Chief Risk Officer.

Chairman:   William O'Reilly

Chief Risk Officer: Matthew Wilson

The Non-Executive Directors are :


 * Catherine King
 * Paul Baker
 * Flavia Gobbo

The member of the Executive leadership team are :


 * Mark Coyne (Chief Executive Officer)
 * Tracey Harris (Chief Operating Officer)
 * Matthew Wilson (Chief Risk Officer)
 * Geniere Aplin (Group Executive - Personal Injury )
 * David Fryar ( Group Executive - New Markets )
 * Simon Lane ( Group Executive - People & Culture )