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

If your business is advice, design, or a service delivered — not physical stock — your real exposure is different from a shop or factory. I'll help you cover what actually matters: professional liability, the equipment your work depends on, and your own health cover if you're self-employed.

WhatsApp for Guidance Call 7448324068

SholavaramRed Hills TollMadhavaramManaliAmbatturChennai Outskirts

Insurance for Professionals & Consultants in Chennai

WhatsApp — free guidance Call 7448324068

30 yrs experience · Licensed · No commitment · Sholavaram

Who this helps

Independent consultants, freelancers, and self-employed professionals (CAs, architects, designers, IT consultants).
Small agencies and service firms delivering advice or work product to clients.
Professionals who've never had insurance beyond a personal health policy and aren't sure what a growing practice needs.

What you get

Professional Indemnity cover — protection if a client claims loss due to advice, error, or omission in the service you delivered.
Office/equipment cover for laptops, software licenses, and furniture — since a landlord's policy rarely covers your equipment.
Guidance on whether D&O is relevant if you've incorporated with a board or investors.
Personal health insurance guidance, since self-employed professionals don't have an employer's group policy as a fallback.

How support works

Step 1 — Describe what you do

WhatsApp your practice type (consulting, design, accounting, IT, etc.) and whether you work solo or with a small team.
Step 2 — Cover matched to real exposure

We align cover to your actual service/advice risk, not a generic liability template built for a shop.
Step 3 — Policy issued

Clear on trigger conditions and notification requirements, so a future claim isn't delayed by a technicality you didn't know about.

Which of these is you?

Solo freelancer / self-employed professional

You work independently — no employees, no office lease, just your own advice or work product.

Professional Indemnity sized to your actual client contract values, not an inflated generic figure.
Personal health insurance guidance, since you don't have an employer's group policy to fall back on.
No unnecessary add-ons — we don't sell a small-business bundle you don't need as a solo operator.

WhatsApp — freelancer/solo cover

Small agency or consulting firm

You have a small team delivering client work, possibly with an office lease.

Professional Indemnity for the firm, sized to your typical project/contract value.
Office equipment cover for the team's laptops, servers, and furniture.
Group health guidance if you're formalizing employee benefits as the team grows.

WhatsApp — agency/firm cover

Incorporated with investors or a board

Your practice has grown into a company with external stakeholders — director liability is now a real personal exposure.

D&O cover explained clearly — this protects directors personally, separate from the company's general liability.
Guidance on which cover your business genuinely needs at this stage, since D&O and PI are often confused.
Documentation formatted for investor due diligence if that's ever requested.

WhatsApp — D&O for incorporated practice

Professional Indemnity vs. D&O — which applies to you

Often confused, but they protect different things.

What matters	Professional Indemnity	D&O
Who's protected	The business itself	Directors/officers personally
What triggers a claim	An error or omission in advice/service delivered	A management decision
Typical buyer	Consultants, agencies, service firms	Companies with a board or external investors

What most professionals get wrong about their own insurance

A few patterns we see repeatedly with consultants and freelancers.

Assuming a landlord's building insurance covers your office equipment — it almost never does.
Not having Professional Indemnity because 'nothing's gone wrong yet' — the point of PI is that it's there before something does.
Confusing Professional Indemnity (protects the business for service errors) with D&O (protects directors personally) — buying one when you actually need the other.
Relying on an employer's health cover memory from a previous job, without realizing self-employment means no group policy exists anymore.

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 →