N.Y. Insurance Law § 2318: Risk sharing plans

§ 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.