Information about Clements Worldwide

If your people have an accident while working abroad, the last thing they need to worry about is lost wages or how to pay for medical expenses from an injury. Clements Worldwide can keep them covered. We’ve provided comprehensive accident coverage to organizations for more than seven decades and can work out a plan that fits your needs.  

Our comprehensive Group Personal Accident insurance includes: 

• In instances of accidental death and dismemberment or accidents resulting in loss of life, limb, or eyesight, the beneficiary receives up to the policy limit 
• Covers permanent total dismemberment or disability that prevents the insured from working after 12 months 
• Up to 100% of the employee’s weekly salary to accidental disablement that temporarily prevents the insured from working   
• Medical expenses and hospitalization resulting from an accident 
• Medical evacuation to a more suitable facility if adequate medical assistance is not immediately available 
• In some cases, travel expenses will also be paid for repatriation to the employee’s home country 
• War and terrorism coverage to protect against the risks of civil unrest, war, and acts of terrorism 24/7 coverage while your personnel are overseas 
• Flexible plans for groups at competitive rates.

More than 10,000 terrorist attacks are carried out every year, endangering the staff and operations of international organizations. Political instability, rioting and looting can lead to injury and property damage. Clements Worldwide can help you protect your people and your business against the risks of terrorism. 

Standard general third-party liability insurance policies could put you and your organization at risk by not offering critical coverage. Liability claims from terrorism attacks, sports-related injuries, pollution, and a host of other risks are not typically protected by traditional insurance. But Clements Worldwide has you covered. Our high-limit international Combined Liability insurance policy gives you customized coverage with the right extensions to keep your operations abroad running smoothly.

Clements international liability insurance protects your organization against:  

• Third-party Liability arising out of the operations or premises of an organization   
• Third-party Liability arising out of slander, libel, wrongful eviction, malicious prosecution  
• Liability for loss or damage as the result of a defect in a product manufactured or installed  
• Costs to landlords/property owners in the event of destruction to actual leased space  
• Medical expenses resulting from third-party bodily injury on your business premises

From warehouse damage to piracy and hijacking, assets in transit or storage introduce exposures that can negatively impact critical business operations. Clements Worldwide can help insulate your company against loss of assets with our international transit and cargo insurance.

Unlike other providers, Clements will cover your cargo even in high-risk countries like Iraq or Afghanistan or regions such as Africa. We understand the unique risks and underwriting issues involved and can provide comprehensive, flexible transit coverage. No matter what the size of your shipment, Clements has a customized solution that fits your budget.

Our policies can extend to cover war on land, any type of conveyance, and full War/Terrorism coverage.

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Clements Worldwide transit and commercial cargo insurance coverage includes:

• Single or one-off transits  
• Open cargo: all risks  
• Door-to-door coverage  
• Warehouse-to-warehouse policies  
• Blanket policies for worldwide shipments  
• All modes of conveyance: land, sea, and air  
• Stand-alone War/Terrorism on land in high risk locations  
• Worldwide coverage, including transit through hazardous routes (land & sea)   

Clements specialists will work with you to provide transit and cargo insurance that protects your property and helps keeps your business on track.

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Clements Financial Lines coverages ensures the financial stability of your organization and the personal financial protection of your leadership and officers in the event of expensive lawsuits triggered by the decisions or actions of employees, board members, or officers acting on behalf of the company.   

With our Financial Lines coverage, Clements can help you financially protect your organization and your senior leadership with easy solutions.   

Clements Worldwide Directors & Officers Liability Insurance is designed to protect directors, officers, and board members against liability ensuing personally on them. These can include claims from regulators, shareholders, and employees for employment practices liability as well as employment-related personal liability claims such as errors in judgement, negligent supervision, hiring / firing practices, conflicts of interest, or unauthorized payments.

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Lawsuits and settlements are expensive and time-consuming. Errors and Omissions insurance (also known as Professional Liability) protects your organization from claims of errors & omission, negligence, or failure to deliver work under a contract. Your organization will be covered up to your specified limit for the cost of legal defense, court costs, and any resulting judgments anywhere in the world.   

Claims by a disgruntled employee can include libel, slander, misrepresentation, or breaches of an implied or actual employee contract. They can also bring charges of emotional distress, mental anguish, or humiliation. Even with the best human resources processes, defending against a lawsuit can run into hundreds of thousands of dollars. And it can get even more costly and complicated across multiple countries.  

Clements Employment Practices Liability insurance protects your organization and its directors & officers, from employee lawsuits –– by covering settlements and legal costs. Allegations can include – hiring / firing practices, harassment, and discrimination. We’ll also help mitigate risks and ensure that your claims are supported by insurance specialists with expertise in your local geography and your industry.  

The average organization – including nonprofits – loses 5% of its revenues to fraud each year. The types of fraud can range broadly from employee dishonesty, theft, expense report fraud, forgery, funds transfer fraud, phishing, social engineering, credit card fraud to identity theft.    

Crime insurance protects organizations from losses due to either employee dishonesty or third- party fraud.  

Fiduciary claims may result even if there was no intent of fraud. Anyone involved in the management of a retirement or health plan can be held personally liable if they violate the Employee Retirement Income Security Act or if it is found they did not:  

• Act in the best interests of plan participants in the managing of these benefits;  
• Exhibit a “duty of care” that an average person could be expected to exhibit with such responsibilities;  
• Diversify plan assets; and  
• Follow plan guidelines.   

Question of intent can make defending such claims expensive even if they are without merit.  Our coverage can include a broad definition of “employee”, including consultants, temporary or seasonal employees, non-compensated officers, interns and outside council.  And it covers your organization worldwide.