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Work injury compensation insurance

HL Assurance vs Great American WICA insurance

HL Assurance and Great American side by side on the same typical employers, as business packages with WICA for all staff, from their published rates.

By , Writer · Prices as of 12 Nov 2026, GST included.

Which is cheaper

Of the 17 typical employers both are shown for on our pages, HL Assurance was cheaper on 17, Great American on 0. Your own business can change the order.

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.

Price for each employer

Each insurer's cheapest package with WICA for all staff, a year, GST included. Open an employer for every insurer's package and its Apply Now or Buy Now.
EmployerHL AssuranceGreat American
Cafe5 staffS$463.25Business Protect360S$951.03EIP PLUS F&B
Cafe5 staff, S$60,000 eachS$463.25Business Protect360S$1,670.43EIP PLUS F&B
Restaurant10 staffS$708.50Business Protect360S$1,670.43EIP PLUS F&B
Restaurant10 staff, S$60,000 eachS$708.50Business Protect360S$3,109.23EIP PLUS F&B
Restaurant20 staffS$1,199.00Business Protect360S$3,109.23EIP PLUS F&B
Fast food outlet8 staffS$610.40Business Protect360S$1,382.67EIP PLUS F&B
Fast food outlet8 staff, S$60,000 eachS$610.40Business Protect360S$2,533.71EIP PLUS F&B
Bakery4 staff, S$60,000 eachS$348.80Business Protect360S$386.41EIP PLUS Retail
Caterer5 staffS$463.25Business Protect360S$951.03EIP PLUS F&B
Caterer5 staff, S$60,000 eachS$463.25Business Protect360S$1,670.43EIP PLUS F&B
Clothing shop5 staff, S$60,000 eachS$381.50Business Protect360S$438.73EIP PLUS Retail
Clothing shop10 staff, S$60,000 eachS$545.00Business Protect360S$700.33EIP PLUS Retail
Minimart3 staff, S$60,000 eachS$316.10Business Protect360S$334.09EIP PLUS Retail
Hair salon5 staffS$381.50Business Protect360S$388.31EIP PLUS Services
Hair salon5 staff, S$60,000 eachS$381.50Business Protect360S$584.51EIP PLUS Services
Laundry5 staffS$381.50Business Protect360S$388.31EIP PLUS Services
Laundry5 staff, S$60,000 eachS$381.50Business Protect360S$584.51EIP PLUS Services

Both packages for a cafe with 5 staff

HL Assurance's and Great American's cheapest packages with WICA for a cafe with 5 staff: a year, GST included.
InsurerA yearValue scoreOf which WICAPublic liabilityContents and stock
HL AssuranceFeaturedBusiness Protect360Buy NowS$463.2579About S$245.25S$500,000S$100,000
Great AmericanEIP PLUS F&BS$951.0313About S$678.53S$500,000S$75,000

Questions people ask

Is HL Assurance or Great American cheaper for WICA?

Of the 17 typical employers both are shown for on our pages, HL Assurance was cheaper on 17, Great American on 0. Your own business can change the order.

How much of each price is WICA?

For a cafe with 5 staff: HL Assurance about s$245.25 of S$463.25; Great American about s$678.53 of S$951.03.

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.