N.Y. Ins. Law § 2318

§ 2318. Risk sharing plans. Agreements may be made among insurers with\nrespect to the equitable apportionment among them of insurance which may\nbe afforded applicants who are in good faith entitled to but are unable\nto procure such insurance through ordinary methods, and such insurers\nmay agree among themselves on the use of reasonable rate modifications\nsubject to the approval of the superintendent; but this section shall\nnot apply to workers' compensation insurance.\n