APA

Williams C. A., Heins R. M., . (1985). Risk management & insurance. New York: McGraw-Hill Book Co.

Chicago

Williams C Arthur, Heins Richard M, . 1985. Risk management & insurance. New York: McGraw-Hill Book Co.

Harvard

Williams C. A., Heins R. M., . (1985). Risk management & insurance. New York: McGraw-Hill Book Co.

MLA

Williams C Arthur, Heins Richard M, . Risk management & insurance. New York: McGraw-Hill Book Co. 1985.