Work injury compensation insurance
Does work injury compensation insurance cover staff who do manual work?
Yes, and it must. The law requires WICA for every employee doing manual work. 4 of the 8 insurers we price rate manual staff in a class of their own, at a higher rate than office staff; 4 do not split them in the details we hold. Every price on this page is at the office-staff rate, so cover for manual staff costs more than shown.
The figures
- Insurers compared: 8.
- Insurers whose plans include it: 4.
- Insurers whose details we hold do not say: 4.
- Cheapest plan from an insurer that covers it, for a cafe with 5 staff on wages of S$150,000 a year in all: HL Assurance Business Protect360, S$463.25 a year.
- No insurer sells WICA on its own online, but every business package includes it, so these prices are business packages with WICA for all staff, with the part that is WICA shown on each plan. The insurers put work injury at their office-staff rate online; staff who do manual work are rated higher, so their cover costs more than shown.
What each insurer says
| Insurer | Covered? | What its details say | A year |
|---|---|---|---|
| HL AssuranceYesBusiness Protect360, S$463.25Buy Now | Yes | HL Assurance’s quote has separate WICA rows for manual or outdoor employees and for delivery drivers (not on two-wheelers). The prices here put every employee in its non-manual row. | S$463.25 |
| EQ InsuranceYesEQ Business Food & Beverage (Restaurant), S$479.00 | Yes | EQ’s forms split WICA by job class, with manual staff (kitchen, service, cashiers and cleaners) and drivers rated apart from office staff. | S$479.00 |
| SompoYesSpectra Food and Beverage, S$521.55 | Yes | Sompo’s form splits WICA by job class, with separate rows for manual staff such as office cleaners, cashiers, service staff and waiters. | S$521.55 |
| IncomeYesSmartBiz 360 Essential, S$570.01Buy Now | Yes | Income rates WICA by occupation: for this business, 0.32% of annual wages for manual staff and 0.46% for drivers, against 0.073% for non-manual staff, before GST. | S$570.01 |
| Tokio MarineNot statedTM Dining Suite, S$741.20 | Not stated | The details we hold of its WICA cover do not split manual staff from office staff. | S$741.20 |
| Great AmericanNot statedEIP PLUS F&B, S$951.03 | Not stated | The details we hold of its WICA cover do not split manual staff from office staff. | S$951.03 |
| EtiqaNot statedNo price for this business: its BOSS plans with WICA cover up to 3 employees. Get its price | Not stated | The details we hold of its WICA cover do not split manual staff from office staff. | – |
| MSIGNot statedNot shown for this business: its package is priced below HL Assurance’s, our featured insurer. Get its price | Not stated | The details we hold of its WICA cover do not split manual staff from office staff. | – |
All prices include 9% GST. A dash means no price on this page. Each insurer's policy wording is the final word on what is covered.
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.
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.
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.
See every insurer's price for your own staff, or ask us to arrange the cover.
Compare work injury compensation insuranceQuestions people ask
Does work injury compensation insurance cover staff who do manual work?
Yes, and it must. The law requires WICA for every employee doing manual work. 4 of the 8 insurers we price rate manual staff in a class of their own, at a higher rate than office staff; 4 do not split them in the details we hold. Every price on this page is at the office-staff rate, so cover for manual staff costs more than shown.
Where do these answers come from?
From what we hold of each insurer's plans: the benefits in our rate tables and the insurers' own brochures and application forms, for 8 insurers. Where an insurer's details do not say, we say so. The policy wording is the final word on what is covered.
Which plan is cheapest?
For a cafe with 5 staff on wages of S$150,000 a year in all, HL Assurance Business Protect360 is the cheapest plan from an insurer that covers it, at S$463.25 a year today, GST included.