30+ Years Experience 4.9★ Google Reviews LIC & General Insurance Sholavaram, Chennai Claims & Renewals Support

M N Rajendrakumar Insurance Services

Car • Lorry • Fleet • Factory • Health

An online seller's risk sits in a few specific places — stock sitting in a warehouse or fulfilment space, goods moving to customers, and occasionally a product liability question. I'll help you cover exactly those points instead of a generic retail shop policy that doesn't quite fit an online-only business.

WhatsApp for Guidance Call 7448324068

SholavaramRed Hills TollMadhavaramManaliAmbatturChennai Outskirts

Insurance for E-commerce & Online Sellers in Chennai

WhatsApp — free guidance Call 7448324068

30 yrs experience · Licensed · No commitment · Sholavaram

Who this helps

D2C brands and online sellers holding stock in a warehouse or fulfilment space.
E-commerce businesses shipping goods regularly to customers across Tamil Nadu and beyond.
Online sellers who've grown from a side business into stock levels that need real protection.

What you get

Warehouse/fulfilment stock cover sized to your actual inventory value, including seasonal peaks (festival sales, etc.).
Goods-in-transit cover for outbound deliveries, especially for higher-value items.
Guidance on product liability if a product defect could lead to a customer claim.
Straightforward documentation suited to a lean, often remote-first team.

How support works

Step 1 — Share your business details

WhatsApp your product category, approximate stock value, and where you store/fulfil orders from.
Step 2 — Cover matched to your actual setup

We size stock and transit cover to your fulfilment pattern, including seasonal sales spikes.
Step 3 — Policy issued

Set up to work for a lean, digitally-run business — no unnecessary in-person process.

Which of these is you?

D2C brand with own warehouse/fulfilment

You hold stock yourself and ship directly to customers.

Stock cover sized to your actual warehouse holding, including festival-season spikes.
Goods-in-transit cover for outbound customer shipments, especially higher-value items.
Guidance on whether product liability is relevant to your specific product category.

WhatsApp — D2C stock/transit cover

Marketplace seller using third-party fulfilment

You sell through platforms and may use a marketplace's fulfilment/warehousing service.

We clarify what the marketplace's fulfilment cover actually includes — often less than sellers assume.
Guidance on whether you need your own stock cover for goods awaiting dispatch to the fulfilment center.
Straightforward setup that doesn't assume a physical storefront.

WhatsApp — marketplace seller cover

Growing from side business to real stock value

What started small has grown, and your stock value now genuinely needs protecting.

An honest assessment of whether you've outgrown 'no insurance' — many sellers reach this point without noticing.
Cover sized to where your business actually is now, not a large-brand template.
A starting point that scales with you as the business grows further.

WhatsApp — growing online business

No cover vs. warehouse + transit cover

The two points where online sellers actually carry risk — storage and shipping.

Risk point	No cover	Warehouse + transit cover
Stock damaged/lost in storage (fire, theft)	Full loss absorbed by the business	Covered, sized to peak stock value
Goods damaged/lost in delivery transit	Absorbed as a cost of doing business or disputed with courier	Covered directly, regardless of courier fault
Product liability claim	Full exposure	Covered if relevant to your product category

What a courier's liability actually covers (and doesn't)

A common misconception among online sellers — worth clarifying before you assume you're covered.

Courier/logistics partners typically cap their liability for lost or damaged goods at a low fixed amount, far below your actual product value — this is standard in their terms, not a special exclusion.
Your own goods-in-transit cover pays based on the actual declared value of the shipment, not the courier's capped liability.
For high-value or fragile products, this gap between courier liability and actual value is exactly where sellers get caught out without their own cover.

Common questions before you contact us

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I'm 20–30km from Sholavaram — will you serve me?

Yes. Most commercial and vehicle policies can be handled fully via WhatsApp and phone — no visit needed. For site inspections or physical surveys (required by some insurers), we coordinate based on location and policy type. We cover the full 30km belt: Red Hills, Puzhal, Ponneri, Madhavaram, Ambattur, Sriperumbudur, Oragadam corridors and more.

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Do you speak Tamil? What about Malayalam or English?

Tamil is our primary working language. We also communicate in English and Malayalam. You can WhatsApp in any of these — we'll respond in the language you're comfortable with.

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Do you handle import/export and manufacturing businesses?

Yes. We cover Marine Cargo (goods in transit, import/export shipments), factory and warehouse fire insurance, machinery insurance (CPM), contractor all-risk, and public liability — all common for manufacturing and trading units in the industrial belts around Chennai.

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I have lorries / fleet — do you handle commercial vehicles?

Transport and fleet insurance is one of our core focuses. Single lorry owner, 20-vehicle fleet, goods carriers, trailers — we handle all. We also help with permit and fitness document discipline to avoid claim issues.

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Do you also handle personal insurance — car, bike, health?

Yes. Car, bike, health/mediclaim and LIC policies are handled alongside commercial lines. Many of our clients take personal and commercial policies together.

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I'm running a construction project — is that covered?

Yes. Contractors All Risk (CAR) and Workmen Compensation (WC) are standard for construction projects. We also cover hired plant/equipment and public liability for contractor sites.

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My policy expired — can I still renew or am I stuck?

You can still renew after expiry, but act fast. The grace window and NCB retention depend on how long the lapse has been. WhatsApp your old policy copy and we'll check what's possible.

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Will you be available after I buy the policy?

Yes. We stay reachable after sale — for claim guidance, renewal reminders, document checks and any questions that come up. We're not a one-time sale office.

Ready to reach out? Pre-fill your WhatsApp in 30 seconds

Pick your situation — we build the message, you just send.

Optional — pick to customise your message

1. What type of insurance?

2. What do you need?

3. How urgent?

4. Any questions to include?

👉 You can send directly — no questions needed

Your WhatsApp message Send on WhatsApp 📞 Prefer to call? 7448324068

📎 Attach documents directly in WhatsApp after opening.

Free guidance · No sales pressure · No commitments

Real situations we handle

People reach us with exactly these kinds of situations.

Importing a crane — needed CPM + transit insurance before unloading

The situation

A contractor importing a crane from another state needed Contractors Plant & Machinery (CPM) insurance plus transit coverage. The crane was arriving by trailer and he needed proof of insurance before the transport company would release it.

How we helped

We arranged CPM insurance with the correct sum insured based on invoice value, added transit cover for the movement, and got the certificate issued before the delivery date. Documents were shared on WhatsApp for quick verification at the unloading point.

I have a similar situation →

Fleet of 12 lorries — one had an accident on NH, needed claim filed fast

The situation

A fleet owner with 12 lorries had one vehicle involved in a road accident on the NH belt near Red Hills. The driver was injured, third-party damage was significant, and the police complaint had to be registered. He didn't know what to do first.

How we helped

We guided the immediate steps: FIR copy, hospital records, spot photos, and insurer intimation within 24 hours. We prepared the claim documents in the right order so the surveyor could process without back-and-forth. The claim was settled without unnecessary delays.

I have a similar situation →

Warehouse fire — stock proof was wrong, guided correct documentation

The situation

A warehouse owner near Manali industrial area had a fire incident. When the claim was filed, the insurer found that the stock declaration didn't match the actual stock. The sum insured was also lower than actual value. The claim was at risk of being reduced significantly.

How we helped

We helped reconstruct the stock proof trail (purchase invoices, delivery challans, stock register) and explained the shortfall to the owner. For the renewal, we corrected the sum insured and set up a proper stock declaration discipline so future claims would not face this issue.

I have a similar situation →