The applicable law is:
N.Y. Ins. Law § 2115(a) (McKinney 2003 Pocket Part) states: No insurer
doing business in this state, and no agent or other representative thereof, except as provided in subsection (b) hereof, shall pay any commission or other compensation to any person, firm, association or corporation for acting as insurance agent
in this state, except to a licensed insurance agent of such insurer or to a person described in paragraph two or four of subsection (a) of section two thousand one hundred one of this article or except as provided in subsection (c) of this section. For the purposes of this section, "acting as insurance agent" shall not include the referral of a person to a licensed insurance agent or broker that does not include a discussion of specific insurance policy terms and conditions and where the compensation for referral is not based upon the purchase of insurance by such person.
The law prohibits you from receiving compensation for acting as an insurance agent. You are not acting as an "agent" if you do not discuss specific policy terms and conditions of a policy. See the italicized section above.
If you are setting up this company as an unlicensed partner, do not discuss policies with customers and avoid receiving compensation based on commissions. You could receive a portion of the business profits in exchange for management and administration functions. The key is that you do not provide any "agent" services. The business can pay you as an owner or manager or simply in exchange for the use of the space.
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