Professional Indemnity & Business Insurance
for Experts Who Can't Afford Errors
Safeguard your practice, people, and income—before the unexpected strikes
- Cover legal claims, malpractice, and financial liability risks.
- Protect income flow with Business Interruption coverage.
- Meet regulatory requirements with Employer’s Liability.
- Tailored plans for legal, medical, financial & design professionals.
Benefits
When reputation is your product, even a single mis-step can cascade into fee claw-backs, regulatory probes and sleepless nights. Cléma structures a seamless shield—Professional Indemnity, Cyber, Management Liability and Legal Expenses—so that partners can advise boldly, knowing the downside is ring-fenced and the paperwork is painless.
- Zero-gap advisory cover – Professional Indemnity wording dovetails with cyber & crime extensions, closing the “pure financial loss” and data-breach loopholes that standard policies ignore.
- Regulator-ready documentation – policy clauses align with ICAEW, RIBA, BAR and GDPR standards, demonstrating compliance before the auditors even ask.
- Instant limit agility – increase project-specific limits or add jurisdictions within 24 hours, keeping bids competitive and clients impressed.
Cléma’s involvement goes beyond renewal dates; you gain a strategic risk partner who defends billable hours, partner capital and brand equity when challenges strike.
- Privilege-preserving claims triage – in-house lawyers engage within the hour, controlling correspondence so legal privilege is never accidentally waived.
- Quarterly contract & risk clinics – free document reviews and scenario workshops help your teams spot liability traps before the ink dries.
- Single-touch settlement pathway – a dedicated Cléma advocate steers every claim from notification to close-out, accelerating cash flow and keeping partners on the front foot.
Why Businesses Trust Cléma
We don’t believe in off-the-shelf protection. We work with you to identify gaps, model risks, and stay ahead of disruption — so your business is always one step ahead.
Tailored, not templated:
We don’t believe in off-the-shelf protection. We work with you to identify gaps, model risks, and stay ahead of disruption — so your business is always one step ahead.
On-the-ground expertise:
We don’t believe in off-the-shelf protection. We work with you to identify gaps, model risks, and stay ahead of disruption — so your business is always one step ahead.
Fast, clear claims process:
We don’t believe in off-the-shelf protection. We work with you to identify gaps, model risks, and stay ahead of disruption — so your business is always one step ahead.
Contact details:
- hello@clema-rs.com
- +65 64 93 24 28
Offices:
- Singapore: 883 North Bridge Road, #19-03 Southbank
- Hong Kong: 99 Hennessy Road Bayfield Building, Room 2301, 23F Wanchai HK
- Shanghai: Shanghai Room R-27, the 5th Floor, T2 Building, No.1717 Tian Shan Road, Changning District, Shanghai, China
Get in touch now
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FAQs – Asset & Operations Protection
Is Property All Risk really necessary if I already have standard property insurance?
Yes — standard property policies are limited. Property All Risk covers a broader range of scenarios, including accidental damage and unforeseen events that can seriously impact your operations.
How much coverage do I actually need?
Our advisors work with you to assess asset value, business continuity risks and cash flow exposure. This ensures your protection mirrors your real-world needs — not assumptions.
What happens if I need to file a claim?
Cléma’s local claims teams act fast. You’ll get dedicated support, step-by-step guidance and a clear resolution path — so downtime stays minimal and your business stays in control.
What is operations protection insurance?
Operations protection insurance refers to coverage that helps your business stay afloat when a disruption — such as fire, flood, or equipment damage — affects your ability to operate. It often includes business interruption and loss of profit policies, ensuring continuity when your operations are unexpectedly paused.
Is commercial insurance the same as property insurance?
Not exactly. Commercial insurance is a broader term that can include property insurance, liability coverage, business interruption, and more. At Cléma, we tailor commercial insurance packages to match your industry, size, and specific operational risks — so you’re protected on all fronts.
