TY JOUR TI INSURANCE PROTECTION AGAINST RISK IN EMERGENCIES AND FIRES: CIVIL LEGAL ASPECTS KW risk of emergencies KW fires KW damages KW insurance mechanisms KW civil protection KW the impact of natural disasters JO LAW. SAFETY. EMERGENCY SITUATIONS AU Mutalieva, L.S. AU Dashko, V.M. PY 2014 IS 2014 PB Saint-Petersburg University of State Fire Service of Emercom of Russia