New York Laws
Article 41 - Property/casualty Insurance Companies
4112 - Mutual Companies; Protection Against Assessments.

ยง 4112. Mutual companies; protection against assessments. No domestic
mutual property/casualty insurance company and no officer or
representative thereof shall make any contract whether on behalf of such
company or of all or any of its policyholders, whereby the company or
the policyholders are insured or indemnified against the imposition or
payment of assessments which may be made upon members of the company, if
the contract is cancellable or otherwise terminable by any party thereto
upon the giving of notice of cancellation or termination within a period
of less than one year before the effective date of the cancellation or
termination.