Work injury compensation insurance
Work injury compensation insurance prices for a cafe
The lowest business package with WICA for all staff today for a cafe, by number of staff, on wages of S$30,000 and S$60,000 a staff member. Then every package for a cafe with 5 staff on wages of S$150,000 a year in all.
In short
On 12 Nov 2026, a business package with WICA for all staff costs a cafe from S$267.05 to S$1,444.25 a year at the lowest price, for 1 to 25 staff, GST included.
Price by number of staff and wages
| Staff | S$30,000 each | S$60,000 each |
|---|---|---|
| 1 staff | S$267.05HL Assurance, of 8 shown | S$267.05HL Assurance, of 8 shown |
| 2 staff | S$316.10HL Assurance, of 8 shown | S$316.10HL Assurance, of 8 shown |
| 3 staff | S$365.15HL Assurance, of 8 shown | S$365.15HL Assurance, of 8 shown |
| 5 staff | S$463.25HL Assurance, of 6 shown | S$463.25HL Assurance, of 6 shown |
| 8 staff | S$610.40HL Assurance, of 4 shown | S$610.40HL Assurance, of 6 shown |
| 10 staff | S$708.50HL Assurance, of 4 shown | S$708.50HL Assurance, of 6 shown |
| 15 staff | S$953.75HL Assurance, of 3 shown | S$953.75HL Assurance, of 6 shown |
| 20 staff | S$1,199.00HL Assurance, of 3 shown | S$1,199.00HL Assurance, of 4 shown |
| 25 staff | S$1,444.25HL Assurance, of 2 shown | S$1,444.25HL Assurance, of 3 shown |
The grid is in a CSV file, updated daily. 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.
Prices today for a cafe with 5 staff on wages of S$150,000 a year in all
| Insurer | A year | Value score | Of which WICA | Public liability | Contents and stock |
|---|---|---|---|---|---|
| HL AssuranceFeaturedBusiness Protect360Buy Now | S$463.25 | 79 | About S$245.25 | S$500,000 | S$100,000 |
| EQ InsuranceEQ Business Food & Beverage (Restaurant) | S$479.00 | 78 | About S$97.50 | S$500,000 | S$100,000 |
| SompoSpectra Food and Beverage | S$521.55 | 88 | About S$132.15 | S$1,000,000 | S$150,000 |
| IncomeSmartBiz 360 EssentialBuy Now | S$570.01 | 74 | About S$120.01 | S$1,000,000 | S$100,000 |
| IncomeSmartBiz 360 PremierBuy Now | S$660.01 | 80 | About S$120.01 | S$1,500,000 | S$150,000 |
| Tokio MarineTM Dining Suite | S$741.20 | 51 | About S$196.20 | S$500,000 | S$100,000 |
| Great AmericanEIP PLUS F&B | S$951.03 | 13 | About S$678.53 | S$500,000 | S$75,000 |
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.
Price your own staff, with your own business and wages.
Questions people ask
How much is WICA insurance for a cafe?
On today's published rates, the lowest business package with WICA for all staff runs from S$267.05 to S$1,444.25 a year for 1 to 25 staff, GST included. For a cafe with 5 staff on wages of S$150,000 a year in all, from S$463.25 at HL Assurance.
Do higher wages cost more?
At most insurers. Each insurer its own way: Sompo, EQ, Great American and Income on the wages (Income at its office-staff rate); Tokio Marine per head; Etiqa’s BOSS plans with WICA include up to 3 employees in the price.
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.