N.Y. Insurance Law § 2314: Charging of rates

§ 2314. Charging of rates. No authorized insurer shall, and no

licensed insurance agent, no title insurance agent, no employee or other

representative of an authorized insurer, and no licensed insurance

broker shall knowingly, charge or demand a rate or receive a premium

that departs from the rates, rating plans, classifications, schedules,

rules and standards in effect on behalf of the insurer, or shall issue

or make any policy or contract involving a violation thereof.