Property insurance provider
Gallagher / Clements Worldwide
International personal insurance broker
International personal-property and household-effects cover for expats and globally mobile households, with transit and storage described as a core part of the proposition.
At a glance
- Provider type
- International personal insurance broker
- Global reach
- Very high
- Primary audience
- Expats, diplomats, government contractors, international educators and globally mobile households
- Buildings
- Selected markets
- Contents
- Core
- Transit / moving
- Exceptional
- Second / holiday homes
- Available
- Valuables
- Available
- Rental liability
- Selected programmes
- Catastrophe
- Policy dependent
- Personal liability
- Available
- Unoccupied / seasonal
- Product dependent
- Multiple homes
- Case dependent
- Claims / servicing
- Specialist international claims
- Provider model
- International broker
- Pricing
- Quote based
What type of property-insurance provider is this?
An international broker and programme administrator for personal insurance. The insurer that issues a policy is separate from the broker. The provider model affects which insurers can be compared, who advises on placement and who ultimately underwrites the risk.
Who it may suit
Gallagher / Clements Worldwide may be relevant to Expats, diplomats, government contractors, international educators and globally mobile households.
Where can the provider insure property?
Very high international reach for personal property and household effects. Building cover is described only for selected propositions and depends on the market. Confirm the property country, the country of residence, and which Gallagher or Clements entity would arrange the cover. Eligibility can depend on the property country, the country of residence and the insurer that is prepared to take the risk. Global reach is not universal availability.
Buildings cover
Selected international and personal-property propositions. Scope depends on the market. A buildings section, where one exists, is about the structure and permanent fixtures. Rebuild cost, alternative accommodation, debris removal and professional fees are questions for the wording. No rebuild figure is stated here.
Contents and personal property
Core. International personal property and household effects. Household possessions, furniture and personal items are a different sum from the building. Worldwide possessions, where described, still depend on the policy.
Fine art, jewellery and collections
Available, including scheduled valuables support. Scheduling, valuations and item limits differ. This is not unlimited cover for watches, wine, jewellery or fine art.
International transit and storage
Exceptional. Worldwide transit and storage are described as core differentiators. A home policy may not apply while possessions are in storage or being shipped. The practical move is covered separately on moving country and relocation.
Second homes and holiday properties
Available through international private and personal insurance capability. Seasonal occupancy, empty periods, security, letting and local catastrophe risk are separate questions from a permanently occupied home.
Rental and tenant liability
Available in selected programmes. Letting a property, including short stays, can be a different use. This page does not treat a selected programme as cover for every rental.
Catastrophe and location-specific risk
Market and policy dependent. Coverage and deductibles vary by location and policy. Flood, earthquake, hurricane, wildfire and storm are not assumed.
Personal liability
Available on relevant personal-property policies. This is liability arising from the home or the person, where the policy includes it. It is not a statement that every claim against the owner will be met.
Unoccupied and seasonal property
Product and location dependent. This page does not state how many days a home may stand empty. Security, visits and caretaker conditions belong in the wording.
Multiple homes and international portfolios
Broker-led and case dependent. Several homes, a consolidated arrangement and valuables that move between properties are private-client questions. A single point of contact is a servicing point, not a promise that one policy covers every address.
Claims and ongoing servicing
Strong specialist international claims support. Claims support is not a decision that a claim will be paid.
What changes property-insurance pricing?
Quote based. This page does not publish a premium.
- Property country
- Property value
- Rebuild cost
- Occupancy
- Second-home use
- Rental use
- Catastrophe exposure
- Security
- Valuables
- Claims history
- Construction type
Questions to ask
Ask Gallagher / Clements Worldwide directly. This page does not answer these for a particular property.
Which countries can you insure?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are you a broker or insurer?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Which insurer actually underwrites the policy?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is the building covered?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are contents covered?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
What rebuild value should I insure for?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are art and jewellery covered?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Do high-value items need to be listed individually?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is the property covered when unoccupied?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
How long can it remain empty?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Can the property be rented to guests?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is personal liability included?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is landlord / tenant liability included?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is flood covered?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is earthquake covered?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is hurricane / windstorm covered?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is wildfire covered?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are catastrophe deductibles different?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is international transit covered?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Can multiple homes be included?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is there worldwide contents cover?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Who helps with claims?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Which local entity handles the policy?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
What exclusions should I understand?
Ask Gallagher / Clements Worldwide directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
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. Property-insurance benefits, exclusions, catastrophe limits, pricing, eligibility and geographic availability can change.