Work injury compensation insurance explained
Typical work injury compensation (WICA) insurance quotes in Singapore
What WICA costs today for 19 typical employers, as a business package with WICA for all staff on wages of S$30,000 a year each. Open an employer for every insurer's price, the part that is WICA, and the price on higher wages.
In short
On 12 Nov 2026, a business package with work injury compensation for all staff costs from about S$316.10 to S$1,199.00 a year for the employers here, GST included. What the business does and how many staff it has set the price.
Offices
| Employer | S$30,000 a staff member | Of which WICA | S$60,000 a staff member |
|---|---|---|---|
| Office20 staff | S$708.50HL Assurance | Included | S$708.50 |
| Office25 staff | S$817.50HL Assurance | Included | S$817.50 |
Food and drink
| Employer | S$30,000 a staff member | Of which WICA | S$60,000 a staff member |
|---|---|---|---|
| Cafe5 staff | S$463.25HL Assurance | S$245.25 | S$463.25 |
| Restaurant10 staff | S$708.50HL Assurance | S$490.50 | S$708.50 |
| Restaurant20 staff | S$1,199.00HL Assurance | S$981.00 | S$1,199.00 |
| Fast food outlet8 staff | S$610.40HL Assurance | S$392.40 | S$610.40 |
| Bakery4 staff | S$348.80HL Assurance | S$130.80 | S$348.80 |
| Caterer5 staff | S$463.25HL Assurance | S$245.25 | S$463.25 |
Shops
| Employer | S$30,000 a staff member | Of which WICA | S$60,000 a staff member |
|---|---|---|---|
| Clothing shop5 staff | S$381.50HL Assurance | S$163.50 | S$381.50 |
| Clothing shop10 staff | S$545.00HL Assurance | S$327.00 | S$545.00 |
| Minimart3 staff | S$316.10HL Assurance | S$98.10 | S$316.10 |
Clinics, salons and gyms
| Employer | S$30,000 a staff member | Of which WICA | S$60,000 a staff member |
|---|---|---|---|
| Medical clinic5 staff | S$327.00HL Assurance | S$109.00 | S$327.00 |
| Medical clinic10 staff | S$436.00HL Assurance | S$218.00 | S$436.00 |
| Dental clinic8 staff | S$392.40HL Assurance | S$174.40 | S$392.40 |
| Hair salon5 staff | S$381.50HL Assurance | S$163.50 | S$381.50 |
| Gym5 staff | S$388.31Great American | S$115.81 | S$535.96 |
| Gym10 staff | S$535.96Sompo | S$240.30 | S$776.26 |
Services
Tuition and schools
| Employer | S$30,000 a staff member | Of which WICA | S$60,000 a staff member |
|---|---|---|---|
| Tuition centre3 staff | S$319.26Etiqa | S$43.15 | S$319.26 |
Every employer, and on higher wages, is in one 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. 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. Compare work injury compensation insurance for your own staff.
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 WICA insurance in Singapore?
As part of a business package with WICA for all staff, the lowest price today for the 19 employers on this page runs from S$316.10 a year (a minimart or provision shop with 3 staff, HL Assurance) to S$1,199.00 (a restaurant with 20 staff), GST included.
How much is WICA for a cafe with 5 staff?
From S$463.25 a year for the package with WICA at HL Assurance, on wages of S$150,000 a year in all; of that, WICA is about S$245.25.
Can I buy WICA on its own?
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.
Who must have WICA?
Under the Work Injury Compensation Act (WICA), every employer is liable for injuries and diseases its employees get at work. You must insure all employees doing manual work, and non-manual employees earning up to S$2,600 a month. Cover for other employees is optional, but common. The policy must be with an insurer designated by MOM.
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.