APA

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

Chicago

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

Harvard

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

MLA

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