International business insurance provider
Gallagher International / former Clements Worldwide
Global insurance broker
International broking for organisations that operate across countries, including property, liability, professional lines and specialty risks.
At a glance
- Provider type
- Global insurance broker
- Global reach
- Very high
- Primary audience
- Multinationals, NGOs, international schools, contractors, embassies, nonprofits and globally mobile organisations
- Property / BI
- Core
- Liability
- Core
- Professional / E&O
- Core
- D&O
- Core
- Cyber
- Core
- Business travel
- Available
- Employee benefits
- Available
- Cargo / transit / fleet
- Core
- Political risk
- Strong
- K&R / crisis
- Strong
- Multinational programme
- Exceptional
- Local compliance
- Strong
- Risk consulting
- Exceptional
- Claims support
- Exceptional
- Provider model
- Broker
- Pricing
- Bespoke
What type of business-insurance provider is this?
A global insurance broker for international organisations. Gallagher does not itself underwrite the policy. Understanding the provider model helps explain who designs the programme, who places the insurance and who ultimately carries the risk.
Who it may suit
Gallagher International / former Clements Worldwide may be relevant to Multinationals, NGOs, international schools, contractors, embassies, nonprofits and globally mobile organisations.
Where can the provider support your business?
Very high global reach for international organisations. Confirm the countries of operation and which Gallagher entity would arrange the cover. Global reach is not identical capability in every country. Global reach is not identical capability in every country.
Property and business interruption
Core. Buildings, machinery, equipment, inventory and income interruption are separate questions. Contingent interruption and natural catastrophe depend on the wording. No limit is stated here.
Liability
Core. Public and general liability, product liability and cross-border liability are not the same contract in every country. Employers’ liability, where it exists, is often local.
Professional indemnity and errors and omissions
Core. This can include professional negligence, a service failure or a financial-loss claim. Technology and financial lines, where described, are still policy-specific.
Directors and officers
Core. Management liability, investigations and claims against the people who run the company sit in this line. Entity cover, where it exists, is in the wording.
Cyber insurance
Core. Ransomware, business interruption, breach response, privacy liability and incident response are separate sections. This page does not say every cyber policy includes every one of them.
Business travel and employee protection
Available. Available. Travel accident, emergency medical and group health are different contracts. See travel insurance and international health insurance for the personal side of those questions.
Cargo, transit and fleet
Core for relevant international risks. Marine cargo, goods in transit, logistics and commercial vehicles are separate from a buildings policy.
Political violence and crisis risks
Strong. Strong. Terrorism, civil unrest, political risk and kidnap or ransom cover are specialty lines. None of this is universal availability.
Multinational programme capability
Exceptional. A master programme, local policies, difference-in-conditions or difference-in-limits cover, central reporting and claims coordination are design questions. A master policy does not override local regulation.
Local admitted policies and compliance
Strong. Global network and local compliance coordination. Compulsory local policies, premium taxes, local contracts and local claims handling follow the country where the risk sits. International insurance programme design should be coordinated with legal and tax advisers where required.
Risk consulting
Exceptional. Property engineering, cyber assessment, supply-chain work and business continuity, where offered, are advisory. They are not a statement that a loss will be prevented or paid.
Claims advocacy and servicing
Exceptional. Claims preparation, insurer negotiation and local coordination matter when more than one policy or country is involved. Support is not a decision that a claim will be paid.
What changes international business-insurance pricing?
Bespoke. This page does not publish a premium.
- Industry
- Revenue
- Countries of operation
- Property values
- Loss history
- Cyber controls
- Employee count
- Limits
- Deductibles
- Supply chain
- Claims history
- Natural-catastrophe exposure
Questions to ask
Ask Gallagher International / former Clements Worldwide directly. This page does not answer these for a particular company.
Are you a broker or insurer?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Which countries can you support?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you arrange locally admitted policies?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you design a multinational programme?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you provide a master policy?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you coordinate DIC / DIL?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you handle property and business interruption?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you place global liability?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you cover professional indemnity?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you offer D&O?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you offer cyber?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you arrange business travel cover?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you coordinate employee benefits?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you handle cargo / transit?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you support political violence cover?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you arrange kidnap / ransom?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Do you provide risk consulting?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Who manages international claims?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Can you provide consolidated programme reporting?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
How are premiums allocated across countries?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Which local entities issue policies?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Which insurers are used?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
How are broker fees or commissions structured?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
What is the renewal process?
Ask Gallagher International / former Clements Worldwide directly. The answer depends on the countries, the entities, the lines and who underwrites the risk.
Sources and review
Reviewed 8 October 2026.
- Service page
The provider’s published service description used for this page.
- Evidence page
Further public material reviewed alongside the service page.
Information is based on publicly available provider information reviewed by WiT Access. Commercial-insurance product availability, programme design, underwriting, pricing, local-policy requirements and geographic capability can change.