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Work injury compensation insurance

Sompo vs Tokio Marine WICA insurance

Sompo and Tokio Marine 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 23 typical employers both are shown for on our pages, Sompo was cheaper on 14, Tokio Marine on 9. 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.
EmployerSompoTokio Marine
Office20 staff, S$60,000 eachS$1,179.20Spectra OfficeS$724.85TM Office Suite
Cafe5 staffS$521.55Spectra Food and BeverageS$741.20TM Dining Suite
Cafe5 staff, S$60,000 eachS$653.70Spectra Food and BeverageS$741.20TM Dining Suite
Restaurant10 staff, S$60,000 eachS$918.00Spectra Food and BeverageS$1,231.70TM Dining Suite
Restaurant20 staff, S$60,000 eachS$1,446.60Spectra Food and BeverageS$2,212.70TM Dining Suite
Fast food outlet8 staff, S$60,000 eachS$812.28Spectra Food and BeverageS$1,035.50TM Dining Suite
Bakery4 staffS$368.89Spectra RetailS$643.10TM Dining Suite
Bakery4 staff, S$60,000 eachS$465.01Spectra RetailS$643.10TM Dining Suite
Clothing shop5 staffS$392.92Spectra RetailS$528.65TM Retail Suite
Clothing shop5 staff, S$60,000 eachS$513.07Spectra RetailS$528.65TM Retail Suite
Clothing shop10 staff, S$60,000 eachS$753.37Spectra RetailS$801.15TM Retail Suite
Minimart3 staffS$344.86Spectra RetailS$419.65TM Retail Suite
Minimart3 staff, S$60,000 eachS$416.95Spectra RetailS$419.65TM Retail Suite
Medical clinic5 staffS$415.81Spectra ServiceS$414.20TM Service Suite
Medical clinic5 staff, S$60,000 eachS$535.96Spectra ServiceS$414.20TM Service Suite
Medical clinic10 staffS$535.96Spectra ServiceS$632.20TM Service Suite
Medical clinic10 staff, S$60,000 eachS$776.26Spectra ServiceS$632.20TM Service Suite
Dental clinic8 staffS$487.90Spectra ServiceS$545.00TM Service Suite
Dental clinic8 staff, S$60,000 eachS$680.14Spectra ServiceS$545.00TM Service Suite
Hair salon5 staffS$415.81Spectra ServiceS$414.20TM Service Suite
Hair salon5 staff, S$60,000 eachS$535.96Spectra ServiceS$414.20TM Service Suite
Laundry5 staffS$415.81Spectra ServiceS$414.20TM Service Suite
Laundry5 staff, S$60,000 eachS$535.96Spectra ServiceS$414.20TM Service Suite

Both packages for a professional services office with 20 staff

Sompo's and Tokio Marine's cheapest packages with WICA for a professional services office with 20 staff: a year, GST included.
InsurerA yearValue scoreOf which WICAPublic liabilityContents and stock
Tokio MarineTM Office SuiteS$724.8573About S$463.25S$500,000S$100,000
SompoSpectra OfficeS$1,179.2047About S$961.20S$1,000,000S$150,000

Questions people ask

Is Sompo or Tokio Marine cheaper for WICA?

Of the 23 typical employers both are shown for on our pages, Sompo was cheaper on 14, Tokio Marine on 9. Your own business can change the order.

How much of each price is WICA?

For Office with 20 staff: WICA insurance on higher wages: Sompo about s$961.20 of S$1,179.20; Tokio Marine about s$463.25 of S$724.85.

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.