Clements Insurance Hub for
Halo Financial

It is our mission to enable you to live and work anywhere in the world. At Clements we pride ourselves on having over 70 years experience focusing on the insurance needs of expatriates. So no matter where you are in the world, let Clements provide the protection you need, helping you to focus on making the most of your time abroad.


Auto Insurance

International auto insurance providing physical damage cover with Excess Liability protection. Since coverage is Border-less, you are in safe hands no matter where you are in the world.

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Personal Property 

A vital insurance providing comprehensive worldwide protection for your personal belongings. The plan can provide coverage during transit as well as at your new destination.

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Term Life Insurance

Clements Worldwide offers Term Life insurance which provides financial disbursements to your loved ones upon loss of life, protecting them against future financial burdens.

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Income Protection

Allows you and your family to maintain your standard of living should an injury or illness mean you are unable to work. Temporary and/or Permanent cover.

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Health / Medical

Clements also offers uniquely designed insurance plans giving you and your family access to the best healthcare possible, wherever you may be in the world.

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Bespoke Solutions

We specialize in creating programs for those living and working overseas. So if there is a type of coverage you need, we will do everything we can to find the solution.


About Clements



In 1947, Clements created the world’s first international insurance program for the U.S. Foreign Service. Today, we are still visionaries.

Broad Coverage

We offer insurance solutions in over 170 countries worldwide and are proud to be coverholders for Lloyd’s of London.


Corporate Responsibilities

Through our Expat Youth Scholarship (EYS) program, we have awarded more than $100,000 in youth scholarships to many recipients since 2009.



Clements provides exceptional levels of service and are committed to ensuring you have the support you deserve when you need it most.


Best Business Practices
Clements earned the distinction of “Best Practices Agency” for the eleventh consecutive year from the Independent Insurance Agents & Brokers of America (IIABA).

Global presence due to our offices in Washington DC, London, Brussels, and Dubai.

Can't thank you enough. Have contacted other insurances who are far too complicated with restrictions and "if" and "but". Won't consider anyone else in the future.


Multiple Locations

Schedule a Free Consultation

We understand that insurance can sometimes be confusing. How much cover do I need, what is the right policy for me, what happens if I make a claim... Simply fill out the form and one of our solutions experts will contact you to help. If you prefer being contacted by phone, please schedule a call below with our experts.

Schedule a Free Consultation