Clements Worldwide

Clements Worldwide

Clements - Global Aspirations Without Limitation

Clements are an international insurance provider committed to helping you, your family, and your organization by providing vital peace of mind. Through our coverage, Clements support your global aspirations, helping you realize your ambitions, no matter where they take you.

Our story of providing international coverage to expats and global organizations began in 1947 with the creation of the first expatriate program exclusively for the U.S. Foreign Service. Clements are proud to serve clients in over 170 countries from our offices in Washington D.C., London, Brussels, Gibraltar, and Dubai.

Coverholder status with authority to operate and bind on behalf of the underwriters. Unparalleled access to global insurance markets. Extensive knowledge and expertise of the industries we serve. Premier provider of insurance solutions for diplomats and expatriates. Customized solutions. Exclusive solutions through our binder products and market relationships tailored to customers’ needs. Innovative programs providing cost-effective and broad coverage for the customer specific needs. Cross border global solutions for individuals, partners, and companies. Subject matter expertise in understanding high-risk coverages. Proven and unparalleled experience writing in high-risk countries and industries in emerging markets.

Insurance solutions for expatriate individuals, families, and citizens of the world.

Expat insurance policies should provide coverage that won’t leave the policy holder financially vulnerable. Clemets offers highly customized global insurance options that cater to a variety of budgets.

International Car Insurance

Clements Worldwide has been providing comprehensive international car insurance to expats in most countries for over 75 years. Customers can drive with confidence, knowing they and their car are protected.

Worldwide Personal Effects (Property) Insurance

Our customizable international personal property insurance policies can cover the contents of your home and valuable items whether you’re moving overseas, already living abroad, or still planning your move.

International Life Insurance Policy

Our customizable international personal property insurance policies can cover the contents of your home and valuable items whether you’re moving overseas, already living abroad, or still planning your move.

Temporary & Permanent Disability Insurance

Don’t let a disability affect your standard of living abroad. Clements’ expat disability insurance allows individuals and their families to maintain their standard of living if injury or illness prevent work.

International Personal Accident Insurance

Be prepared with protection anywhere you are. Clements’ personal accident insurance provides international coverage and payment in the event of injuries, disability, or death due to violent, accidental, external, and visible events.

Pet Insurance in the United States

Choose the right coverage for your dog or cat. Keep your furry friend healthy while saving time and money with insurance.

Foreign Service Community and Contractors Abroad Insurance

Clements’ international insurance program, MissionsAbroad®, has provided customized automobile, household effects, and liability insurance solutions for diplomats, embassy and consulate employees, state department, government employees, and contractors of any nation since 1947. Coverage is available in over 170 countries.

International Teachers and Educators Insurance

Clements’ EducatorsAbroad® insurance program offers international insurance solutions to educators and school staff around the world. These affordable plans include coverage for personal property, car, life, accident, disability, travel medical, and US coverages, giving you peace of mind while living and teaching abroad.

International High Net Worth Insurance

Clements Prestige is a service that offers customized insurance solutions to high net worth and ultra high net worth individuals across the EU, UK, and Gibraltar. Protect your lifestyle and legacy with Clements, who use their extensive market knowledge to protect you, your family, and your assets from a variety of risks.

International Business Solutions

Clements offers a suite of business insurance solutions designed specifically for the international community. These reliable and affordable plans provide protection for your assets and help keep your business operations running smoothly. From property coverage to liability insurance, Clements has the essential protection you need to ensure the success of your business.

International Commercial Auto Insurance for Your Fleet

WorldAuto® is a commercial vehicle physical damage coverage policy that protects your fleet from transportation hazards in most countries around the world. This policy includes theft and collision protection during transportation, operation, and even when parked.

International Business Interruption & Commercial Property Insurance

Property insurance typically covers only the costs of assets and not people, operations, or loss in profits or revenues. Clements’ Business Interruption insurance fills this gap, covering lost income, fixed, and standing costs for your organization.

International Combined Liability Insurance - One Blanket International Liability Policy

Standard general third-party liability insurance policies may not offer coverage for risks such as terrorism attacks, sports-related injuries, pollution, and more. Clements’ high-limit international Combined Liability insurance policy offers customized coverage with the right extensions to keep your operations abroad running smoothly.

Cyber Liability Insurance

Data breaches can be costly for businesses, with the average cost reaching $4.25 million in 2021 and cyber attacks increasing by 50%. Small and medium-sized enterprises are particularly at risk, but only 14% are prepared to protect themselves. Clements offers Cyber Liability insurance tailored to the size and scale of your business to minimize the risk of a data breach.

International Commercial Cargo and Transit Insurance

What Does International Transit & Cargo Insurance Cover? International transit and cargo insurance can protect your goods from origin to destination for damage caused by risks including: Warehouse damage, War and terrorism, Piracy & Hijacking. Assets in transit or storage exposed to these types of liabilities can negatively impact critical business operations, especially with ongoing supply chain disruptions.

International Directors & Officers Liability Insurance

Leadership Brings Responsibility, Clements Help You Shoulder It. Directors and officers at businesses and nonprofits are accountable to multiple stakeholders inside and outside your organization. If a customer, partner, vendor, employee, shareholder, or regulator file a claim against your organization, that could put your leaders’ personal finances at risk. Directors & Officers Liability Insurance can mitigate those risks by providing comprehensive and customizable liability coverage.

Errors & Omissions Liability Insurance

Mistakes Can Happen, Clements are here with Your Safety Net. Handling lawsuits filed against your organization can be stressful and time-consuming, especially if they result in hefty settlement payouts. Even if the claims made against your organization are unwarranted, legal fees and other related expenses can quickly add up and dent your organizational budget.

Errors & Omissions Insurance can provide tailored protection not offered by traditional liability coverage. It can provide coverage amid negligence claims or other business errors that lead to financial setbacks.

Kidnap and Ransom Insurance for Your Employees

Political Evacuation and Salary Continuation. If you or your employees work in a high-risk country, you may be at risk of kidnapping. Foreign organizations in these countries, including businesses, international schools, and high net-worth individuals and their families, are often targeted. Kidnap and Ransom Insurance from Clements Worldwide provides financial indemnification and expert crisis management in the event of a kidnapping for ransom, wrongful detention, and/or extortion.

Political Risk, Violence, War and Terrorism Insurance

Protect Your Organization with Terrorism Insurance. Over 10,000 terrorist attacks occur each year, endangering the staff and operations of international organizations. Political instability, rioting, and looting can also lead to injury and property damage. Clements’ political risk insurance helps protect your people and business against the risks of terrorism.

Group Personal Accident Insurance Coverage

Group personal accident insurance offers financial protection in case of injury or death resulting from an incident that occurs on the job. If your employees have an accident while working abroad, this type of group insurance policy helps pay the cost of lost wages or medical expenses from an injury. Clements Worldwide has provided comprehensive accident coverage to organizations since 1947 and can create a personalized international personal accident insurance coverage plan for your specific needs.

International Group Health Insurance

Your staff is a vital asset to your organization, and providing them with comprehensive health care coverage can help them stay healthy and productive. Clements Worldwide offers international medical coverage plans to help organizations provide health care to their employees working abroad.

Scholars International School Health Insurance Programs

Clements’ Scholars® group health program provides flexible health insurance designed specifically for international school teachers, business managers, administrators, and their families. This plan provides coverage for educators working abroad.

International Group Disability Insurance

Clements Worldwide offers international group disability insurance to protect your employees who work abroad in the event of an accident or illness that affects their ability to work temporarily or permanently. With this coverage, your overseas staff can have peace of mind knowing they have financial protection in case of a disability.

Group Life Insurance

Clements Worldwide offers international group life insurance to provide financial support for the families of employees who pass away while working abroad. Our policy includes high limits and coverage for war and terrorism, helping to ease the financial burden and uncertainty that comes with such a loss.

Table of Benefits

Policy Wording