Work injury compensation insurance
Compare work injury compensation (WICA) insurers
Pick two insurers to see each one's business package with WICA for all staff on the same typical employers, from their published rates, and the part that is WICA.
Each insurer's lowest price today for a cafe
| 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 |
| 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 |
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. Every package for this cafe.
- Etiqa vs Income
- HL Assurance vs Income
- HL Assurance vs MSIG
- HL Assurance vs Sompo
- HL Assurance vs EQ Insurance
- HL Assurance vs Tokio Marine
- HL Assurance vs Great American
- Income vs MSIG
- Income vs Sompo
- Income vs EQ Insurance
- Income vs Tokio Marine
- Income vs Great American
- MSIG vs Sompo
- MSIG vs Tokio Marine
- Sompo vs EQ Insurance
- Sompo vs Tokio Marine
- Sompo vs Great American
- EQ Insurance vs Tokio Marine
- EQ Insurance vs Great American
- Tokio Marine vs Great American
Price your own staff at every insurer
Questions people ask
Which insurer is cheapest for WICA?
It depends on the business. For a cafe with 5 staff, HL Assurance Business Protect360, at S$463.25 a year for the package with WICA on 12 Nov 2026, 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.
How do I compare two insurers?
Pick a pair below. Each comparison sets their prices, and the part that is WICA, on the same typical employers side by side.
How many insurers can I compare?
8 insurers' business package rates are on our pages, which makes 20 pairs that are both shown for at least three of our typical employers. Allianz quotes its Smart SME package, with WICA, live from its own site, so it is not priced on this page: see it with your own answers on our work injury compensation page, or press Ask Shenton to arrange.