New York Laws
Article 66 - Co-Operative Property/casualty Insurance Companies
6609 - Policy Forms.

(2) Each form of policy issued by such a corporation shall also
include on the page following that concluding the policy proper and
under appropriate caption all provisions of the corporation's by-laws,
whether required or permitted, relative to meetings of members, election
of directors, rights and obligations of members, extraordinary
assessments, and contingent liability.
(b) No policy form shall be delivered or issued for delivery by an
assessment corporation unless it has been filed by said assessment
corporation with the superintendent and he has approved it.
(c) The standard fire insurance policy, insofar as required for use by
domestic mutual property/casualty insurance companies by section three
thousand four hundred four of this chapter, shall also be required for
use by all co-operative property/casualty insurance companies, with such
modifications therein as shall be permitted by regulation of the
superintendent.
(d) Two or more advance premium corporations or two or more assessment
corporations may issue a combination policy, as provided for in section
three thousand four hundred four of this chapter, with such
modifications permitted by regulation of the superintendent, upon
property located in territory wherein all the participating corporations
named in such policy are licensed to do business.