Harrington, S. E., & Niehaus, G. R. (2004). Risk management & insurance (2nd ed.). McGraw-Hill.

Harrington, Scott E., and Gregory R. Niehaus. Risk Management & Insurance. 2nd ed. New York: McGraw-Hill, 2004.

Harrington, Scott E., and Gregory R. Niehaus. Risk Management & Insurance. 2nd ed. McGraw-Hill, 2004.