Premiums follow sales, not projections.

YAS and QBE launched Hong Kong's first pay-as-you-sell product liability insurance for e-commerce merchants — powered by Assureful's pricing engine and embedded in Amazon, eBay, Shopify and more. Billed monthly, you only pay for what you sell.

E-commerce embedded cover · YAS × QBE · Pay-As-You-Sell

Average cost savings*

Product categories

Pricing data points

*Compared to traditional annual premium models; actual savings vary by product type and revenue.

Partners

Underwritten by QBE Hong Kong · Assureful pricing engine · Distributed exclusively by YAS

The gap

E-commerce insurance shouldn't rely on annual guesswork.

Traditional product liability cover requires merchants to forecast annual sales and prepay yearly premiums. Pay-As-You-Sell embeds cover in seller platforms with premiums that move with real revenue.

Before Pay-As-You-Sell

Annual sales forecastsMerchants estimate full-year revenue to set premiums — volatile businesses overpay or underinsure.
Upfront and broker costsAnnual premiums, deposits and third-party broker fees strain cash flow.
Growth still priced on old projectionsAs business scales, premiums may not adjust in time — sellers pay for outdated forecasts.

After Pay-As-You-Sell

Monthly sync with real salesPlatforms sync monthly revenue and premiums auto-adjust — no annual estimates.
No deposit, start with month oneOnly the first month's premium is due at binding — no upfront capital barrier.
Dynamic pricing, never overchargedPremiums scale with actual revenue and product category — pay only for cover you need.

Solution

Three steps. Cover that follows your sales.

A proprietary pricing engine analyses 400+ data points to quote and continuously adjust cover for e-commerce sellers.

Connect your store

Assess your product mix across 28,000+ categories — tailored quotes without lengthy application forms.

Automatic adjustments

Sync with sales data to track monthly revenue, not annual forecasts — premiums match real performance.

Stay compliant

Meet legal and platform requirements including Amazon Pro Merchant liability thresholds.

Cover highlights

Amazon-approved. Real-time sync. Broad reach.

Product liability cover built for online sellers and embedded in daily operations.

Amazon-approved insurance

Compliant with major e-commerce platforms — Amazon, eBay, Etsy, Walmart, Shopify, Shopee, WooCommerce and more.

No yearly projections

Syncs with sales platforms, adjusts premiums on real-time data, billed monthly — no annual premiums or broker fees.

28,000+ product categories

Covers product liability, IP disputes, customer injury and imported products made in China.

“Underwritten by QBE and distributed exclusively through YAS, this innovative solution leverages technology from Assureful to deliver insurance designed specifically for merchants on Amazon, eBay and Shopify.”
YAS × QBE product launch (December 2024)

Outcomes

Embedded cover proven for e-commerce.

Hong Kong's first pay-as-you-sell product liability insurance brings flexible protection to marketplace sellers.

Hong Kong first

Pay-as-you-sell

The region's first dynamic product liability cover for e-commerce — premiums follow actual sales.

42%

Average savings

Customers save an average of 42% compared to traditional annual premium models.

HK$200+

Minimum monthly premium

Premiums from as low as HK$200/month while maintaining comprehensive cover.

Beyond Pay-As-You-Sell — the same embedded model extends to KMB, AlipayHK, TimeCare and more

Press

Hong Kong's first pay-as-you-sell e-commerce liability cover

Press release2024-12-02

YAS and QBE Launch Hong Kong's First Pay-As-You-Sell Product Liability Insurance for E-Commerce Merchants

Underwritten by QBE and distributed exclusively by YAS, powered by Assureful technology for merchants on Amazon, eBay and Shopify.

Read press release

Beyond Pay-As-You-Sell

A world that needs protecting?

Tell us your e-commerce or platform use case — we'll answer with embedded insurance.