2023 New York Laws › VAW - Volunteer Ambulance Workers' Benefit › Article 3 - Liability for Benefits; Insurance › 31 - The Insurance Contract.

§ 31. The  insurance  contract. 1. The provisions of subdivisions one,
  two, four,  five  and  seven  of  section  fifty-four  of  the  workers'
  compensation  law,  in relation to the insurance contract, which are not
  inconsistent with this chapter, shall be applicable as fully as  if  set
  forth herein. The insurance carrier shall be a party to all hearings and
  determinations  by  the  workers'  compensation  board or the courts and
  shall have the right to raise or plead  any  defense  available  to  the
  political  subdivision  liable in the first instance for the benefits to
  be paid and provided by this chapter.
2. A contract of insurance indemnifying against the liability  imposed
  by this chapter issued by an insurance carrier to a county or a town and
  in force on or after the enactment date of such chapter, shall contain a
  provision  reading  as follows:  "This contract does not provide (a) any
  coverage under the Workers' Compensation Law or the Volunteer  Ambulance
  Workers'  Benefit  Law  for which any ambulance district would be liable
  under such laws, (b) any workers' compensation  benefits  for  ambulance
  district officers and employees for which any ambulance company would be
  liable  under  the  Workers'  Compensation  Law,  or  (c)  any volunteer
  ambulance workers' benefits for any  volunteer  ambulance  workers'  for
  which  any  ambulance  district  would  be  liable  under  the Volunteer
  Ambulance Workers' Benefit Law." The foregoing provision does not  apply
  in  relation  to  volunteer  ambulance  workers'  benefit  coverage  and
  volunteer ambulance workers' benefits provided for and  in  relation  to
  the  following  named ambulance districts which have expressly requested
  coverage under this contract  pursuant  to  the  provisions  of  section
  thirty-two  of  this article, to wit: (If there are no exceptions, enter
  "No exceptions").
3. An insurance contract to indemnify  against  liability  imposed  by
  this  chapter  originally issued to take effect on or after March first,
  next succeeding the enactment date of  this  chapter,  and  any  renewal
  thereof, (a) shall be a separate and distinct contract, (b) shall not be
  attached  as an endorsement or rider to, or in any other way form a part
  of, a workers' compensation  insurance  contract,  (c)  shall  not  have
  attached  thereto  any endorsement or rider covering any liability under
  the workers' compensation law and (d) shall not be on  a  contract  form
  used  by  the  insurance  carrier  for the purpose of insuring employers
  against liabilities imposed by the  workers'  compensation  law,  or  is
  attached to any such form as an endorsement or rider.
4.  An  insurance  contract  to indemnify against liability imposed by
  this chapter originally issued to take effect  prior  to  the  enactment
  date  of  such chapter, shall not be renewed to continue in effect on or
  after March first, in the year of the enactment of this chapter, if  (a)
  it  is attached as an endorsement or rider to, or in any other way forms
  a part of, a  workers'  compensation  insurance  contract,  (b)  it  has
  attached  thereto  any endorsement or rider covering liability under the
  workers' compensation law or (c) it is on a contract form  used  by  the
  insurance   carrier  for  the  purpose  of  insuring  employers  against
  liabilities imposed by the workers' compensation law, or is attached  to
  any such form as an endorsement or rider.