%0 Journal Article %T INSURANCE PROTECTION AGAINST RISK IN EMERGENCIES AND FIRES: CIVIL LEGAL ASPECTS %A Mutalieva, L.S. %A Dashko, V.M. %K risk of emergencies, fires, damages, insurance mechanisms, civil protection, the impact of natural disasters %J LAW. SAFETY. EMERGENCY SITUATIONS %D 2014 %N 2014 %P 4 %I Saint-Petersburg University of State Fire Service of Emercom of Russia