Companies shopping in the $237 billion U.S. commercial-insurance market are purchasing liability products more than any other type of coverage, a recent study shows.

In its latest sigma study, titled "Insuring Ever-Evolving Commercial Risks," Swiss Re notes that corporate-insurance demand varies by company size and industry, but overall, premiums for liability coverages averaged $1.75 per every $1,000 in revenue for companies across nine industries in 2010, more than any other commercial coverage.

The services industry spent the most on liability — $4.15 spent on premiums per every $1000 in revenue.  This finding supports Swiss Re's contention in the report that insurance demand in advanced-market economies is shifting toward liability coverages as services sectors expand at the expense of manufacturing.

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