Cita APA (7th ed.)

WILLIAMS, C., & HEINS, R. M. (1989). Risk management and insurance.-- ed.6. McGraw-Hill.

Cita Chicago (17th ed.)

WILLIAMS, C.Arthur, i Richard M. HEINS. Risk Management and Insurance.-- Ed.6. New York: McGraw-Hill, 1989.

Cita MLA (9th ed.)

WILLIAMS, C.Arthur, i Richard M. HEINS. Risk Management and Insurance.-- Ed.6. McGraw-Hill, 1989.