Work injury compensation insurance
Best work injury compensation insurance in Singapore (November 2026)
We rank only our featured insurers: the ones you can buy from through our Buy Now links, and who pay us commission when you buy. Other insurers are not ranked here. HL Assurance is our only featured insurer for work injury compensation, so there is no one to rank it against: we rank no insurer here. Every package shown is set out below, cheapest first.
This month
No ranking: HL Assurance is the only featured insurer for work injury compensation.
- Cheapest shown for a cafe with 5 staff: HL Assurance Business Protect360, S$463.25 a year.
- Smallest WICA share: EQ Insurance EQ Business Food & Beverage (Restaurant), about S$97.50.
Every package for a cafe with 5 staff
| Insurer | A year | Of which WICA | Public liability | Contents and stock |
|---|---|---|---|---|
| HL AssuranceFeaturedBusiness Protect360Buy Now | S$463.25 | About S$245.25 | S$500,000 | S$100,000 |
| EQ InsuranceEQ Business Food & Beverage (Restaurant) | S$479.00 | About S$97.50 | S$500,000 | S$100,000 |
| SompoSpectra Food and Beverage | S$521.55 | About S$132.15 | S$1,000,000 | S$150,000 |
| IncomeSmartBiz 360 EssentialBuy Now | S$570.01 | About S$120.01 | S$1,000,000 | S$100,000 |
| IncomeSmartBiz 360 PremierBuy Now | S$660.01 | About S$120.01 | S$1,500,000 | S$150,000 |
| Tokio MarineTM Dining Suite | S$741.20 | About S$196.20 | S$500,000 | S$100,000 |
| Great AmericanEIP PLUS F&B | S$951.03 | About S$678.53 | S$500,000 | S$75,000 |
Other employers: Office, 20 staff · Office, 25 staff · Restaurant, 10 staff · Restaurant, 20 staff · Fast food outlet, 8 staff · Bakery, 4 staff · Caterer, 5 staff · Clothing shop, 5 staff · Clothing shop, 10 staff · Minimart, 3 staff · Medical clinic, 5 staff · Medical clinic, 10 staff · Dental clinic, 8 staff · Hair salon, 5 staff · Gym, 5 staff · Gym, 10 staff · Laundry, 5 staff · Tuition centre, 3 staff.
How these prices are worked out
Each package is priced from the insurer’s own published rates: the tables swept off Etiqa’s, HL Assurance’s and MSIG’s online quotes, Income’s sampled online prices, and the premium tables on Sompo’s, EQ’s, Tokio Marine’s and Great American’s application forms, with contents at the packages’ minimum of S$75,000 and no building. The WICA share is the same package priced without WICA, taken off. GST is included. Work injury is at each insurer's office-staff rate; staff who do manual work are rated higher. Allianz quotes its package live, so it is not on these pages. Shenton Brokers is an insurance broker in Singapore. Every employer is in a CSV file, updated daily.
Questions people ask
Which work injury compensation insurance is the best?
We don't rank one. We rank only our featured insurers: the ones you can buy from through our Buy Now links, and who pay us commission when you buy. Other insurers are not ranked here. HL Assurance is our only featured insurer for work injury compensation, so there is no one to rank it against: we rank no insurer here. Every package shown is set out below, cheapest first.
Which is the cheapest?
For a cafe with 5 staff, HL Assurance Business Protect360 at S$463.25 a year for the package with WICA, GST included. HL Assurance is our one featured insurer for work injury compensation: you buy it through our Buy Now link. As on our work injury compensation page, a package from another insurer priced below HL Assurance’s is not shown, and a package whose WICA would leave a staff member out is not shown either.
Which has the smallest WICA share?
For a cafe with 5 staff, EQ Insurance EQ Business Food & Beverage (Restaurant): about S$97.50 of its S$479.00 is WICA.
How do I buy it?
Buy Now takes you to the insurer’s own site, where you buy the package with WICA with your company’s real details and the insurer issues the policy. Sompo, EQ, Tokio Marine and Great American take an application form instead: Apply Now sends your details to us, and we get the form, help you fill it in and place the cover. Ask Shenton to arrange sends us the plan you picked and we arrange it for you.