AGARWAL, Ruchi. Hybridization of Risk Cultures and Enterprise Risk Management in Insurance Sector. International Insurance Law Review, Sussex, U.K., v. 33, n. S4, p. 374–387, 2025. DOI: 10.64526/iilr.33.S4.21. Disponível em: https://lumarpub.com/iilr/article/view/33.S4.21. Acesso em: 31 may. 2026.