TY JOUR TI TOPICAL ISSUES OF LEGAL REGULATION AND FORMATION OF THE MARKET OF THE MUTUAL INSURANCE IN RUSSIA KW mutual insurance KW commercial insurance KW history KW foreign experience KW advantages KW prospects KW legislation problems JO LAW. SAFETY. EMERGENCY SITUATIONS AU Chernoguzova, T.N. AU Rybkina, M.V. PY 2013 IS 2013 PB Saint-Petersburg University of State Fire Service of Emercom of Russia