HL Assurance · Work injury compensation insurance
HL Assurance work injury compensation insurance
HL Assurance's work injury compensation, sold in its business package, priced for typical employers from its published rates, where it stands against the other insurers, and how to take it up.
In short
- Shown for 32 of our typical employers, from S$316.10 to S$1,199.00 a year; the cheapest shown on 32.
- HL Assurance is on MOM's list of designated WICA insurers (as at 23 September 2026). MOM's designated insurers.
- You buy on HL Assurance's own site: Buy Now takes you there, and HL Assurance issues the policy.
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.
Its price for each employer
| Employer | Plan | A year | Of which WICA | Place | Lowest of all |
|---|---|---|---|---|---|
| Office20 staff | Business Protect360 | S$708.50 | Included in the package price | 1 of 4 | S$708.50 (HL Assurance) |
| Office20 staff, S$60,000 each | Business Protect360 | S$708.50 | Included in the package price | 1 of 6 | S$708.50 (HL Assurance) |
| Office25 staff | Business Protect360 | S$817.50 | Included in the package price | 1 of 3 | S$817.50 (HL Assurance) |
| Office25 staff, S$60,000 each | Business Protect360 | S$817.50 | Included in the package price | 1 of 4 | S$817.50 (HL Assurance) |
| Cafe5 staff | Business Protect360 | S$463.25 | About S$245.25 | 1 of 6 | S$463.25 (HL Assurance) |
| Cafe5 staff, S$60,000 each | Business Protect360 | S$463.25 | About S$245.25 | 1 of 6 | S$463.25 (HL Assurance) |
| Restaurant10 staff | Business Protect360 | S$708.50 | About S$490.50 | 1 of 4 | S$708.50 (HL Assurance) |
| Restaurant10 staff, S$60,000 each | Business Protect360 | S$708.50 | About S$490.50 | 1 of 6 | S$708.50 (HL Assurance) |
| Restaurant20 staff | Business Protect360 | S$1,199.00 | About S$981.00 | 1 of 3 | S$1,199.00 (HL Assurance) |
| Restaurant20 staff, S$60,000 each | Business Protect360 | S$1,199.00 | About S$981.00 | 1 of 4 | S$1,199.00 (HL Assurance) |
| Fast food outlet8 staff | Business Protect360 | S$610.40 | About S$392.40 | 1 of 4 | S$610.40 (HL Assurance) |
| Fast food outlet8 staff, S$60,000 each | Business Protect360 | S$610.40 | About S$392.40 | 1 of 6 | S$610.40 (HL Assurance) |
| Bakery4 staff | Business Protect360 | S$348.80 | About S$130.80 | 1 of 5 | S$348.80 (HL Assurance) |
| Bakery4 staff, S$60,000 each | Business Protect360 | S$348.80 | About S$130.80 | 1 of 6 | S$348.80 (HL Assurance) |
| Caterer5 staff | Business Protect360 | S$463.25 | About S$245.25 | 1 of 4 | S$463.25 (HL Assurance) |
| Caterer5 staff, S$60,000 each | Business Protect360 | S$463.25 | About S$245.25 | 1 of 4 | S$463.25 (HL Assurance) |
| Clothing shop5 staff | Business Protect360 | S$381.50 | About S$163.50 | 1 of 4 | S$381.50 (HL Assurance) |
| Clothing shop5 staff, S$60,000 each | Business Protect360 | S$381.50 | About S$163.50 | 1 of 6 | S$381.50 (HL Assurance) |
| Clothing shop10 staff | Business Protect360 | S$545.00 | About S$327.00 | 1 of 3 | S$545.00 (HL Assurance) |
| Clothing shop10 staff, S$60,000 each | Business Protect360 | S$545.00 | About S$327.00 | 1 of 6 | S$545.00 (HL Assurance) |
| Minimart3 staff | Business Protect360 | S$316.10 | About S$98.10 | 1 of 6 | S$316.10 (HL Assurance) |
| Minimart3 staff, S$60,000 each | Business Protect360 | S$316.10 | About S$98.10 | 1 of 8 | S$316.10 (HL Assurance) |
| Medical clinic5 staff | Business Protect360 | S$327.00 | About S$109.00 | 1 of 4 | S$327.00 (HL Assurance) |
| Medical clinic5 staff, S$60,000 each | Business Protect360 | S$327.00 | About S$109.00 | 1 of 4 | S$327.00 (HL Assurance) |
| Medical clinic10 staff | Business Protect360 | S$436.00 | About S$218.00 | 1 of 4 | S$436.00 (HL Assurance) |
| Medical clinic10 staff, S$60,000 each | Business Protect360 | S$436.00 | About S$218.00 | 1 of 4 | S$436.00 (HL Assurance) |
| Dental clinic8 staff | Business Protect360 | S$392.40 | About S$174.40 | 1 of 4 | S$392.40 (HL Assurance) |
| Dental clinic8 staff, S$60,000 each | Business Protect360 | S$392.40 | About S$174.40 | 1 of 4 | S$392.40 (HL Assurance) |
| Hair salon5 staff | Business Protect360 | S$381.50 | About S$163.50 | 1 of 5 | S$381.50 (HL Assurance) |
| Hair salon5 staff, S$60,000 each | Business Protect360 | S$381.50 | About S$163.50 | 1 of 6 | S$381.50 (HL Assurance) |
| Laundry5 staff | Business Protect360 | S$381.50 | About S$163.50 | 1 of 4 | S$381.50 (HL Assurance) |
| Laundry5 staff, S$60,000 each | Business Protect360 | S$381.50 | About S$163.50 | 1 of 5 | S$381.50 (HL Assurance) |
HL Assurance for a professional services office with 20 staff
| Insurer | A year | Value score | Of which WICA | Public liability | Contents and stock |
|---|---|---|---|---|---|
| HL AssuranceFeaturedBusiness Protect360Buy Now | S$708.50 | 81 | Included in the package price | S$1,000,000 | S$100,000 |
- Priced as HL Assurance’s Office package.
- Work injury compensation is included in the package price.
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
How much is HL Assurance WICA insurance?
As a business package with WICA for all staff, for the 32 typical employers it is shown for on our pages, from S$316.10 to S$1,199.00 a year on today's published rates, GST included. It is the cheapest shown for 32 of them.
How much of HL Assurance's price is WICA?
For a professional services office with 20 staff, Business Protect360: included in the package price of S$708.50.
What else does HL Assurance's package cover?
Business Protect360: contents and stocks S$100,000; public liability S$1,000,000; work injury compensation 20 employees; daily cash benefit S$250 a day.
Can HL Assurance issue WICA?
HL Assurance is on MOM's list of designated WICA insurers (as at 23 September 2026).
How do I get HL Assurance's WICA?
You buy on HL Assurance's own site: Buy Now takes you there, and HL Assurance issues the policy. Ask Shenton to arrange sends us the plan and we arrange it for you.