General Insurance

Work Injury Compensation (WICA).

Mandatory insurance for employee injuries under Singapore’s WICA framework, covering medical costs, lost wages and compensation for workplace incidents.
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Benefits

Why specialist risk group?

Specialist Risk Group (SRG) delivers bespoke Work Injury Compensation solutions that reflect your workforce profile, job roles, and operational exposures. Through strong insurer partnerships across Singapore and the region, we tailor programmes that support statutory compliance and extend meaningful protection across your organisation. Our consultative approach ensures your policy is optimised for your working environment and aligned with regulatory requirements.

Specialist expertise

Deep understanding of occupational exposures, job classifications, and statutory obligations.
UK - Waste management companies and brokers

Operational exposure assessment

Review of work environments, duties, and payroll structures to ensure correct levels of protection.
AUS - Trusted advisors

Bespoke programme structuring

Customised arrangements for both mandatory and optional employee coverage.
uk - IT consultants and managed service providers

Insurer relationships

Access to top insurers offering competitive terms, broad protection, and responsive claims handling.
SG - Consultative approach

Solution Overview.

Work Injury Compensation insurance provides no-fault protection for employees who suffer work-related injuries or occupational diseases. It covers medical expenses, lost earnings, medical leave wages, and permanent incapacity or death benefits. In Singapore, employers must insure all manual workers, regardless of income level, and non-manual staff earning SGD 2,600/month or below, with many extending cover to higher-earning roles for broader workforce protection.

 
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UK - Tailored, people-focused solutions@2x

Medical Expenses

Reimbursement of medical treatment arising from work-related injury or illness.
Our clients

Who is it for?

Work injury compensation insurance is mandatory for:

  • All manual employees (regardless of salary)

  • Non-manual employees earning SGD 2,600/month or below

It is optional but commonly extended to:

  • Non-manual employees earning above SGD 2,600/month

  • Higher-risk or operational roles

  • Businesses seeking more consistent and efficient claims handling across their workforce

Industries that typically require or utilise this cover include:
Manufacturing and production
AUS - Robotics and automation-driven facilities
Construction, engineering, and technical trades
UK - Asbestos removal contractors
Logistics, transport, and warehousing
SG - Logistics, warehousing, and distribution centres
Retail, hospitality, and food and beverage (F&B)
UK - Food courts and franchise operators
Cleaning, maintenance, and facilities management
SG - Cleaning, maintenance, and facilities management (1)
Offices and service-based businesses employing manual or operational staff
uk - IT consultants and managed service providers
Manufacturing and production
AUS - Robotics and automation-driven facilities
Construction, engineering, and technical trades
UK - Asbestos removal contractors
Logistics, transport, and warehousing
SG - Logistics, warehousing, and distribution centres
Retail, hospitality, and food and beverage (F&B)
UK - Food courts and franchise operators
Cleaning, maintenance, and facilities management
SG - Cleaning, maintenance, and facilities management (1)
Offices and service-based businesses employing manual or operational staff
uk - IT consultants and managed service providers

Related products & covers.

Our approach is tailored to each business we work with. Other products and covers we can arrange that may support your business include:
Global - General - 2

General Liability / Public Liability

Indemnity for accidental third-party bodily injury or property damage arising from your business activities.
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Frequently Asked Questions.

Work Injury Compensation insurance provides no-fault compensation to employees who suffer work-related injuries or occupational diseases, in line with Singapore’s Work Injury Compensation Act (WICA).

Speak to a specialist

You can easily contact us by filling out the form. Once you have submitted your enquiry, one of our friendly colleagues will reach out to you.