Clema Risk Solutions

Cléma Risk Solutions is a business insurance and employee benefits provider serving small and medium-sized enterprises. Established in 2001, the company aims to make insurance clearer and more useful through tailored protection, data-driven insights, and responsive support. It works with businesses in Singapore and across the region, including those expanding into Hong Kong and Shanghai, and serves industries such as professional services, healthcare, retail, construction, logistics, hospitality, and education.

Its business insurance offerings cover property and operations, business interruption, cargo, liability, product liability, professional indemnity, directors and officers, medical malpractice, employment practices, credit, and cyber risks. Cléma also provides financial risk management and international health and life insurance solutions.

For employers, services include employee benefits consulting, work injury compensation, group term life, critical illness, accident, and business travel coverage. The Cléma+ digital portal helps companies manage flexible benefits, while the Executive Concierge offers dedicated assistance with executives’ claims and insurance enquiries.