Product
Your employee gets hurt at work — you're legally required to cover it. Compare WICA quotes from 18+ insurers through TRS.
If you employ anyone in Singapore, you need WICA insurance. It's the law.
The Work Injury Compensation Act requires every employer to cover employees who get hurt or fall ill because of their work. Medical bills, lost wages during recovery, lump sum payouts for permanent disability or death — WICA covers all of it. Your employees don't need to prove you were negligent. If the injury happened at work, the claim is valid.
Without WICA insurance, you're personally on the hook for every compensation claim. MOM actively enforces compliance, and the penalties are real: fines up to $10,000, imprisonment up to 12 months, or both. More importantly, a single serious workplace injury can cost tens of thousands of dollars in compensation — money that comes directly out of your business if you're uninsured.
Coverage
Key areas of protection included under a typical Work Injury Compensation (WICA) Insurance policy.
Hospital bills, clinic visits, rehab — all covered when your employee gets hurt or sick because of work
Replaces your employee's income while they're on medical leave from a work injury
Lump sum payout if an employee is permanently affected by a work-related incident
Compensation for an employee's family if a work injury leads to death
Covers illnesses caused by work conditions — hearing loss, skin diseases, respiratory problems
Full WICA compliance for Work Permit and S Pass holders, as required by MOM
Covers your legal fees if a compensation claim is disputed or goes to court
Who Needs This
Every employer in Singapore. The law covers all employees doing manual work (any salary) and non-manual workers earning $2,600 or less per month. Most companies insure their entire workforce to be safe.
Construction, manufacturing, and logistics companies face the highest exposure. Workers on active sites, factory floors, and loading docks get injured more frequently than office staff. Your premiums will be higher, but your risk without cover is dramatically higher.
Employers of foreign workers have extra compliance pressure. MOM requires proof of valid WICA coverage when you apply for or renew work passes. A lapse in coverage can mean pass revocation, fines, or being barred from hiring foreign workers entirely.
Even office-based businesses need WICA. A repetitive strain injury, a fall in the office, a commute accident — these are all potentially covered events. The premiums for low-risk industries are modest, and the exposure without cover is significant.
Why TRS
We typically save clients 20–30% on WICA. Premiums vary wildly between insurers, especially for higher-risk industries. We compare rates across 18+ carriers and find the best price for your risk profile — often significantly less than your expiring premium.
Compliance sorted. We make sure your policy meets MOM requirements, covers every eligible employee, and renews before it lapses. No gaps, no audit surprises.
Claims handled. When an employee gets hurt, we manage the whole process — filing with MOM, liaising with the insurer, chasing settlement. You focus on your team; we handle the paperwork.
FAQ
Free, no-obligation quotes from multiple insurers. Most quotes delivered within 24 hours.