APA-viite (7. p.)

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

Chicago-viite (17. p.)

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

MLA-viite (9. p.)

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