You need a USB installer for each OS. 1 + 1 = 2
You can install either Win10 or Mac OS first, but if you install Clover on the HDD before you install Win10, Windows will overwrite Clover files. If you format drive with Win10 installer and install Win10 first, the EFI partition will be 100MB - too small for Mac OS (must be 200MB or larger).
Simplest procedure - boot Mac OS installer, format/partition drive. Install Mac OS. Shutdown, boot with Win10 installer and install Win10. Whutdown, boot with Mac OS installer, select the drive Mas OS icon and hit enter to boot to Mac OS desktop.
Once at desktop install Clover. Rename the Windows boot file in the EFI partition.