EML Group is one of the oldest Australian personal injury insurers with history dating back to 1910. The service range of this company is only in Australia, with over 4,000 specialists operating in New South Wales, South Australia and Victoria. The head office of this company is in Sydney. Other branches are distributed in Brisbane in Queensland, Parramatta, Newcastle, Tweed and Gosford in New South Wales, and a South Australian branch in Adelaide.
EML is appointed to provide insurance services and claim management services for organisations such as icare insurance for NSW, WorkSafe Victoria and ReturnToWorkSA. It provides workers compensation, self-insurance, government claims operations, life Insurance managements, consultancy services and other specialist insurance services.
History
1910–1926
EML is a combination of three associations which are formed in the early 20th century. Master Bakers Association is a prospered bread company which established in 1881. On the celebration of the third anniversary of the formation of this company, managers of this company started to realise the importance of workers' rights and living standard. Great Southern Bakeries is one of the large baking business in the early 20th century in Australia. 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, which was registered in Sydney, New South Wales as a limited company in 1910. According to EML (2019), with five employees, the Master Bakers Association provides compensation services to workers in baking, plumbing and transport industries in New South Wales at that time. This organisation established the first compensation act which affects the state at that time. In 1911, the Master Bakers' Mutual Indemnity Association Ltd guaranteed to protect workers' right by assisting individuals to against claim and demands in respect of accidents to workers This concept of insurance and compensation gradually separated into other industries at that time. Limited by guarantee, the Plumbers' Mutual Indemnity Association was registered in 1912 with the core service of resulting in injury to employees and help workers to reduce their losses when get injured from work. The head office of the Plumbers' Mutual Indemnity Association was set in Sydney. The Master Carriers' Mutual Indemnity Association was established in 1914.
In June 1926, a subjoined special resolution was passed by the Master Plumbers' Mutual Indemnity Association, as their asset might be handed over to the Master Carriers' Mutual Indemnity Association, and in return Master Carriers' Mutual Indemnity Association will accept membership from the Master Plumbers' Mutual Indemnity Association. Together with the Master Baker's Mutual Indemnity Association Ltd, these three association that has been acting independently but in similar lines for several years merged to become the Employers Mutual Limited in 1926, which is a combination of interest of this three large workers' compensation company. At that time, Employers Mutual Limited was estimated to own an initial membership of 500 to 600 in total, and approximately £40,000 revenue in the first year.
1987–2003
After Employers Mutual Limited was established, the company enlarged and expanded its business throughout the following decades. 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. Aiming at providing workplace compensation and health insurance to mining workers, Employers Mutual Limited established Coal Services Pty Limited in 2001. By establishing this organisation, the company expands its services into the Coal mining industry in New South Wales. Two years later, EML announced that it handles the coal mining insurance industry scheme and be responsible for the public liability for association scheme.
