Your business is unique, and your protection should be too. Instead of one-size-fits-all policies, get coverage from a partner who understands your risks and goals. Whether you’re based in Hong Kong, expanding to Hong Kong, or growing into Shanghai and beyond, Cléma designs protection that makes sense for you and your team.
Asset & OperationsProtection Solutions
Legal & LiabilityProtection Solutions
Employee Protection & BenefitsSolutions
Financial RiskManagement Solutions
Cyber & DigitalProtection Solutions
Since 2001, Cléma has helped businesses access smarter insurance and benefits solutions, powered by data-driven insights. Because your people deserve more support, and greater value.
Make insurance hassle-free, efficient, and risk-clear for your execs so they can focus on priorities with their sleeves rolled all the way up.
Give your team choice and control without adding admin headaches. With Cléma+, you can streamline benefits, scale as you grow, and stay competitive in the talent game, all in one simple, mobile-friendly platform.
With offices in Hong Kong, Hong Kong, and Shanghai, our team’s job is to expertly shoulder your insurance load, and be the grounding support for all the hardworkers in your company.
General Manager Hong Kong
General Manager Shanghai
Chief Executive Officer
Chief Finance Officer
Great question! Most SMEs can start with a Business Package Insurance policy – it’s like a bundle deal that combines your major property and liability risks into one affordable package. This typically includes Property All Risks, Business Interruption, Public Liability, Employee’s Compensation Insurance, and Money Insurance. For service businesses, you’ll likely need Professional Indemnity as an add-on, and if you handle any data, definitely consider Cyber Insurance too. Don’t forget Employee Benefits for basic needs like medical insurance and life coverage for your team. At Cléma, we help you figure out exactly what you need – no more, no less.
Yes, but hear us out! Even as a startup, you’re exposed to risks from day one. Client disputes, data breaches, or even someone slipping in your office can derail your business. Many clients, vendors, and landlords won’t work with uninsured businesses. The good news? We guide companies from their startup phase all the way through scaling up – your insurance grows with your business, so you’re never over-insured or under-protected.
Nothing complicated at all! Just book a free discovery call with us and we’ll do a complete insurance audit for your business – no obligation, no fuss, no charge (depending on complexity). We’ll review your current program (if any), identify gaps, and show you exactly where you can save money while getting better protection. It’s like a health check-up for your business insurance!
We’re entrepreneurs too, so we actually get it! We’re built specifically for SMEs across Asia. Our people-focused approach means we tailor and customize solutions for each business – we don’t believe in one-size-fits-all packages. Plus, we’re hands-on all the way: from initial audit to design, facilitating administration and claims, to ongoing review for improvements. We explain everything clearly so you understand exactly what you’re getting. Our satisfied corporate clients across three countries speak for themselves. Think of us as your business insurance partner and an extension of your HR team.
Great question! We’ve got tons of helpful resources in our blog section where we break down everything from cyber insurance basics to flexible benefits trends. You’ll find practical guides written specifically for Asian SMEs. And if you have specific questions after reading, just reach out to us directly – we love talking shop about protecting your business!
Understand insurance better by reading our blog. It’s full of useful information.
Cléma Risk Solutions is an insurance brokerage licensed in Hong Kong.
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