Insurance that's smart and simple.

At Cléma Risk Solutions, we believe that navigating employee benefits and business insurance shouldn't feel like decoding a legal document. We're an insurance broker and employee benefits consultancy built for the modern workforce — helping big and small businesses find coverage that actually fits.

We ditched the one-size-fits-all playbook. Instead, we dig into your risk profile, your people, and your goals — then design solutions around you.

Here's what makes us different:
🌏 Global reach, local expertise — Our network partners span APAC, the Middle East, Europe, and the USA, so wherever your business goes, we go with you.
🤝 Your extended HR team — Through Cléma+, Wellbeing Coaching, and our Executive Concierge service, we don't just broker policies — we become a seamless extension of your HR function.
📊 Data-driven coverage — Our innovative digital approach helps you understand your risk exposure and select the right protection, without the guesswork.
🏢 Regionally anchored — Headquartered in Singapore, with operations in Hong Kong and Shanghai, we're strategically positioned to support businesses across Asia and beyond.

Whether you're building your employee benefits program from scratch, benchmarking your current coverage, or looking for a smarter way to take care of your people — Cléma is here for it.

Protecting your business is our business.
👉 Let's talk.

Cléma Risk Solutions

Org chart

Teams

Offices