Typical work injury compensation (WICA) insurance quotes in Singapore
Tuition centre with 3 staff: WICA insurance on higher wages
What work injury compensation costs today for a tuition or enrichment centre with 3 staff on wages of S$180,000 a year in all. Each price is a business package with WICA for all staff, from the insurer's own published rates, a year, GST included.
In short
On 12 Nov 2026, a business package with work injury compensation for all staff costs a tuition or enrichment centre with 3 staff on wages of S$180,000 a year in all from S$319.26 a year (GST included) at Etiqa (BOSS Standard Suite), of which WICA is about S$43.15; 2 insurers are shown here.
- Cheapest: S$319.26 a year at Etiqa (BOSS Standard Suite).
- Smallest WICA share: about S$43.15 at Etiqa (BOSS Standard Suite).
- The same employer on S$30,000 a staff member costs from S$319.26.
Price your own staff on our work injury compensation page: it asks what your business does, your staff and their wages.
Insurer by insurer
| Insurer | A year | Value score | Of which WICA | Public liability | Contents and stock |
|---|---|---|---|---|---|
| EtiqaBOSS Standard SuiteBuy Now | S$319.26 | 75 | About S$43.15 | S$500,000 | S$100,000 |
| EtiqaBOSS Super SuiteBuy Now | S$335.61 | 72 | About S$43.15 | S$500,000 | S$100,000 |
| IncomeSmartBiz 360 EssentialBuy Now | S$464.01 | 52 | About S$144.01 | S$1,000,000 | S$100,000 |
| IncomeSmartBiz 360 PremierBuy Now | S$564.01 | 50 | About S$144.01 | S$1,500,000 | S$150,000 |
How each price is worked out:
- Etiqa BOSS Standard Suite: Priced as Etiqa’s Learning Centre trade Of this price, work injury compensation is about S$43.15.
- Etiqa BOSS Super Suite: Priced as Etiqa’s Learning Centre trade. Everything in Standard Suite, and: Of this price, work injury compensation is about S$43.15.
- Income SmartBiz 360 Essential: Priced as Income’s Education category, work injury at its office-staff rate. Of this price, work injury compensation is about S$144.01.
- Income SmartBiz 360 Premier: Priced as Income’s Education category, work injury at its office-staff rate. Of this price, work injury compensation is about S$144.01.
Not priced here: HL Assurance (its online funnel does not clearly write this trade); MSIG (its SUMO funnel does not write this trade online); Sompo (its Spectra plans do not write this trade); EQ Insurance (its business packages do not write this trade); Tokio Marine (its Business Suites do not write this trade); Great American (its EIP PLUS does not write this trade).
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.
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| 6 staffInstead of 3, on the same wages each. Cheapest: Income. | S$608.02 | +S$288.76 |
Why it costs this
For a tuition or enrichment centre with 3 staff on wages of S$180,000 a year in all:
- 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.
- 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. So more staff, or higher wages, cost more at most insurers.
- Not priced here: HL Assurance (its online funnel does not clearly write this trade); MSIG (its SUMO funnel does not write this trade online); Sompo (its Spectra plans do not write this trade); EQ Insurance (its business packages do not write this trade); Tokio Marine (its Business Suites do not write this trade); Great American (its EIP PLUS does not write this trade).
Price history
For a tuition or enrichment centre with 3 staff on wages of S$180,000 a year in all: Since 10 Nov 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
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. This page's figures and every employer are in CSV files, updated daily.
Every employer · Compare work injury compensation insurance for your own staff.
Questions people ask
How much is WICA insurance for a tuition or enrichment centre with 3 staff?
From S$319.26 a year at Etiqa (BOSS Standard Suite) on today's published rates, GST included, for the business package with WICA for all staff on wages of S$180,000 a year in all. Of that, WICA is about S$43.15.
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. Ask Shenton to arrange and we ask the insurers for a WICA policy on its own.
Do I need WICA?
Compulsory for all employees doing manual work, and for non-manual employees earning up to S$2,600 a month. The policy must be with an insurer designated by MOM.
Has the price changed?
Since 10 Nov 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
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.
Why might my own price be different?
What the business does, the number of staff and their wages set the price on these pages, with contents at the packages’ minimum and no building. Staff who do manual work are rated higher, and the insurers ask about past claims. Our work injury compensation page prices your own business.