What Clements Worldwide does

Clements Worldwide is a Washington, DC-based international insurance broker founded in 1947, specializing in coverage for individuals and organizations living and operating abroad. The company serves a tightly defined niche spanning diplomats and foreign service professionals, military personnel and government contractors, international schools, nongovernmental and humanitarian organizations, expatriates, digital nomads, and high net worth individuals. Its product portfolio is organized into personal lines (international car and motorcycle insurance, international personal property coverage, the Missions Abroad program for foreign service and military personnel, and high net worth bespoke solutions) and commercial lines (Gallagher Scholars for international schools and NGO Select for nonprofit and humanitarian organizations). Coverage spans vehicles, household contents, liability, and travel across multiple jurisdictions, with policies customized to the realities of overseas assignments and high-risk operating environments.

The company operates as an insurance broker, earning commission revenue on placed coverage rather than underwriting risk directly. Distribution is relationship-led and direct: customers reach Clements via phone ((202) 872-0060 and (800) 872-0067), web-based inquiry forms, and the company website. Pricing is quote-based with no publicly disclosed rate cards, reflecting the customized nature of international risk underwriting. The technology footprint is a conventional brokerage and risk management platform with no disclosed AI, API, or proprietary digital channels; the competitive position rests on specialist expertise and carrier relationships rather than technology differentiation.

In a defining corporate event, Clements Worldwide has merged with Arthur J. Gallagher & Co. (NYSE: AJG), one of the world's largest insurance brokers and a Fortune 500 company for nine consecutive years. The combination provides Clements with expanded global resources, carrier access, and cross-selling opportunities while preserving its specialist expertise and program brands (Missions Abroad, Gallagher Scholars, NGO Select). Jon B. Clements serves as Chairman and CEO and Tarun Chopra as President of the Clements operation, which now sits within Gallagher's broader international platform.

Name

Clements Worldwide

Legal name

Arthur J. Gallagher & Co.

Website

https://clements.com

Company type

Public

Founded year

1947

Operating status

Operating

Headcount range

101–250 employees

Short description

Clements Worldwide is a Washington-based international insurance broker founded in 1947, now part of Arthur J. Gallagher & Co., serving diplomats, military personnel, expatriates, international schools, NGOs, and high net worth individuals living abroad.

Ownership category

akta.pro rank

Product category

International Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Personal Excess Liability (High-Net-Worth) (FSAJANAF)

Keywords

• International insurance brokerage
• Expatriate insurance solutions
• Military overseas coverage
• International school insurance
• NGO insurance programs

Headquarters

HQ city

Washington

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Services: Clements Worldwide operates as an insurance broker providing specialized international insurance solutions. Revenue is generated through insurance premiums collected from clients, with the broker earning commissions or fees for placing coverage. The company offers personal insurance (car, property, liability, travel) and commercial insurance (schools, NGOs, businesses) for individuals and organizations living and operating abroad.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Clements Worldwide, now part of Arthur J. Gallagher & Co., operates as a specialty insurance broker providing international personal and commercial insurance solutions for individuals and organizations living and operating abroad. Core offerings include international car, personal property, foreign service, military overseas, high net worth, international school, and NGO insurance programs, placed through carrier partners and supported by in-house specialists who understand government postings, deployments, and high-risk international environments.

Product overview

Clements Worldwide, now part of Gallagher, offers a comprehensive suite of international insurance solutions organized into personal and business categories. The personal insurance portfolio includes International Car Insurance, International Personal Property Insurance, Missions Abroad Program (serving foreign service professionals, diplomats, contractors and military), and High Net Worth Insurance. The business insurance portfolio includes Gallagher Scholars for international schools and NGO Select for nongovernmental organizations. All products are designed for individuals and organizations living and operating abroad, including expats, diplomats, military, international employees, schools, nonprofits, NGOs, contractors and businesses with international risk exposures.

Differentiator

Problem solved

Functional benefit

Brands

• Missions Abroad: Specialized insurance program for foreign service professionals, diplomats, contractors and their families living and working overseas, covering vehicles, personal property, liability and travel.
• Gallagher Scholars
• NGO Select

Products and services

• International Car Insurance Comprehensive international car and motorcycle insurance providing coverage for diplomats, military, contractors, expats, digital nomads, nonprofit workers, and international school educators. Offers three types: third-party liability insurance (TPL), worldwide auto insurance for physical damage, and excess liability coverage that can be combined for maximum coverage.
• International Personal Property Insurance Customizable coverage for valuables and home contents for individuals relocating or living abroad, ensuring full replacement cost and comprehensive protection against theft, fire, vandalism, and breakage during transit and while living internationally.
• Missions Abroad (Foreign Service and Contractors Insurance) Specialized personal coverage program for foreign service professionals, diplomats, contractors, and their families living and working overseas. Covers vehicles, personal property, liability, and travel, with support from teams that understand government postings and life abroad.
• Military Overseas Insurance Specialized insurance options designed to protect service members, contractors, and their families stationed or deployed outside the US. Coverage safeguards cars, personal property, and daily life abroad, providing continuity and peace of mind throughout overseas assignments.
• High Net Worth Insurance Bespoke insurance solutions crafted by Gallagher's Private Client professionals for the unique needs of high net worth individuals living abroad. Includes complimentary risk assessments and a concierge approach to claims handling.
• Gallagher Scholars (International Schools Insurance) Customizable insurance solutions designed to protect international school communities, including campus operations, staff, students, and governance, maintaining financial stability and supporting continuity. International educators and school staff also have access to personal international insurance for car, property, life, accident, disability, travel medical, and US coverages.
• NGO Select (International Insurance for NGOs) Essential protections under coordinated international programs for nonprofit and humanitarian organizations. Supports complex missions and evolving risks across diverse environments, including high-risk locations, with specialist guidance where standard markets fall short. Covers staff, assets, and operations.

Named customers6 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Arthur J. Gallagher & Co. (Gallagher)coreStrategic or Co-development PartnerClements Worldwide has joined Gallagher, one of the world's leading insurance brokers. This merger enhances Gallagher's international capabilities with Clements' specialist market expertise and provides significant cross-selling opportunities. Clements continues to provide specialized international insurance solutions now supported by Gallagher's expanded global resources.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Arthur J. Gallagher & Co. Parent company and the most directly comparable platform — a Fortune 500 global insurance broker and risk manager. Gallagher operates the international franchise Clements now feeds into, and competes for the same multinational and expat brokerage mandates at much greater scale.
• Aon plc: Global insurance and reinsurance broker serving multinational clients across personal and commercial lines. Aon competes with Clements/Gallagher for expatriate benefit programs, international school insurance, and HNW personal lines through its global footprint.
• Marsh & McLennan Companies: World's largest insurance broker, with Marsh specialty personal-lines practice and Mercer benefits consulting covering expat and international programs. Competes directly for institutional NGO and international school accounts that Clements serves.
• Willis Towers Watson (WTW): Global advisory, broking, and solutions firm with international personal lines and expat capabilities. WTW's risk and broking segment addresses the same multinational and high-net-worth mobility insurance needs as Clements.
• Brown & Brown, Inc. US-headquartered insurance brokerage ranked among the largest in the world. Provides commercial and personal insurance distribution with growing international capabilities that overlap with Clements' offerings.

Direct peers

• Lockton Companies: Largest privately held insurance broker in the world, with dedicated international and personal-lines practices. Closely mirrors Clements' specialty broker model for complex, high-net-worth, and non-standard international risks.
• Hub International Limited: North American insurance brokerage with significant personal-lines and specialty commercial practices. Comparable mid-sized broker model with cross-border and expatriate coverage offerings.

Emerging players

• International SOS: Specialist provider of medical and security services to expatriates, diplomats, military and NGOs globally. Overlaps with Clements in serving the same international-assignment customer base with complementary risk products.
• Cigna Global Health Benefits: Major international health and life insurer serving expatriate employees of multinational corporations. Directly comparable to Clements' life, accident, disability and travel medical coverages marketed to expats and NGOs.
• International Medical Group (IMG): Specialist international travel medical and expatriate health insurer serving individuals, missionaries, and NGO staff abroad. Overlaps with Clements' personal-lines offerings for the international community.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/tweet_clements
• Facebookfacebook.com/ClementsWorldwide

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clements Worldwide