New York Consolidated Laws, Insurance Law - ISC § 2318. Risk sharing plans

Agreements may be made among insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in good faith entitled to but are unable to procure such insurance through ordinary methods, and such insurers may agree among themselves on the use of reasonable rate modifications subject to the approval of the superintendent;  but this section shall not apply to workers' compensation insurance.