Section 32. Group insurance

1.  Notwithstanding  any provision of section
  thirty of this chapter, any town may contract for  a  single  policy  of
  insurance  indemnifying (1) all fire protection districts and fire alarm
  districts wholly within such town which are liable for  the  payment  of
  benefits  under this chapter, (2) all territory within such town outside
  cities, villages, fire districts, fire  protection  districts  and  fire
  alarm  districts  which is liable for the payment of benefits under this
  chapter, and (3) the town in relation to such fire protection districts,
  fire alarm districts and outside territory, against liability imposed by
  this chapter. If a town has any such liability and contracts for such  a
  single policy, then and in that event only any such policy, if requested
  by  the  board  of trustees of any village wholly within the town, or by
  the board of fire commissioners of any fire district wholly  within  the
  town,  shall  also  indemnify such village or fire district against such
  liability. The cost of such insurance shall be a town charge  and  shall
  be levied and collected in the same manner as other town charges only in
  the  territory  of such town which is liable for the payment of benefits
  under this chapter  and  which  is  outside  of  any  village  and  fire
  districts  not  covered  by  such  a  policy.  Nothing  in  this section
  contained shall impose any additional liability  on  any  town  for  any
  benefit payments in relation to volunteer firemen.
    2.  Notwithstanding  any  other  provision  of  section thirty of this
  chapter, any group of cities, villages, fire districts  or  town  boards
  acting  for  and  on  behalf  of  fire  protection districts, fire alarm
  districts or territories outside  any  such  municipal  corporations  or
  districts  which  are  liable  for  the  payment  of benefits under this
  chapter, all of which cities, villages, districts  and  territories  are
  located  in  whole or in part within one county, may elect by resolution
  of the governing board of each member of the group to be insured against
  liability imposed by this chapter, as a group  under  a  single  policy.
  Such  resolutions  shall  be  filed  with  the  chairman of the board of
  supervisors. The group shall file with the  chairman  of  the  board  of
  supervisors  an  agreement,  signed by the officer of the governing body
  designated by such resolution, agreeing to the effective  date  of  such
  policy  and to the population of each such city, village, fire district,
  fire protection district, fire alarm district and such territory outside
  any such municipal corporation  or  district,  and,  if  any  such  fire
  protection  district or fire alarm district lies wholly or partly within
  two or more towns, the population of the district within each such town.
  The population shall be that  which  is  shown  by  the  latest  federal
  census, or, if not shown by such census, then as estimated. The estimate
  used  for  any  village,  district  or  other  area  in  a town plus the
  estimated or actual population of  all  other  villages,  districts  and
  areas in such town shall not exceed the population of such town as shown
  by  the  latest  federal census. It shall be the duty of the chairman of
  the board of  supervisors  of  the  county,  upon  the  filing  of  such
  resolutions   and   agreement,   promptly   to  contract  for  insurance
  indemnifying against the liability imposed by this chapter in the manner
  provided in section thirty of this chapter. Except by mutual consent  of
  the  participating members, a member may withdraw from such a group only
  upon the anniversary date of the policy, and then only upon thirty days'
  notice  of  withdrawal  by  mail  to  the  chairman  of  the  board   of
  supervisors.  The  cost  of  such  insurance shall be apportioned by the
  clerk of the board of supervisors of  the  county  to  each  such  city,
  village,  fire  district, fire protection district, fire alarm district,
  and such territory outside such municipal corporations and districts, in
  the proportion that the agreed population bears to the entire population
  of the group. Refunds, dividends  and  discounts  in  relation  to  such

  insurance  shall  be  distributed  or  credited  according  to  the same
  apportionment.  Upon  notification  by  the  clerk  of  the   board   of
  supervisors, the chief fiscal officer of each such city, village or fire
  district  shall  pay  to  the county treasurer, from moneys available or
  made  available,  the  amount  apportioned  to  such  city,  village  or
  district.  Upon  like notification, the supervisor of each town in which
  such a fire protection district or fire alarm  district  is  located  in
  whole  or  in part, or in which such outside territory is located, shall
  pay to the county treasurer the amount apportioned for such district, in
  whole or in part, or territory, as the case may be, using moneys  raised
  or  made  available for the purposes of fire protection in such district
  or outside territory, or if there be  no  such  moneys  or  insufficient
  moneys, using funds of the town available or made available, which funds
  shall  be  a  charge  upon such district or territory for which the town
  shall be reimbursed. The county treasurer shall pay  the  cost  of  such
  insurance  with  such  moneys,  or if any apportioned share has not been
  paid, the county treasurer  shall  advance  the  amount  necessary  from
  moneys  of the general fund upon resolution of the board of supervisors.
  Any such advance shall  be  repaid  as  soon  as  moneys  are  available
  therefor.    If  any  apportioned  share  remains unpaid, the county may
  recover the same by action at law. If any member of the group shall fail
  to pay its apportioned share within thirty days after notice  that  such
  amount  has  become  due  and  payable,  the  chairman  of  the board of
  supervisors may terminate the participation of such member in the  group
  by  notice by mail to such member on a date specified in the notice, and
  a copy of such notice shall be filed by the chairman  of  the  board  of
  supervisors with the insurance carrier, who shall notify the chairman of
  the  workmen's  compensation board of the termination of coverage in the
  same manner as provided for cancellation  of  policy  under  subdivision
  five  of  section  fifty-four  of the workmen's compensation law. If any
  village or fire district is located in two  or  more  counties,  it  may
  elect  to  join  such  a  group  in  one  of  such counties. If any fire
  protection district or fire alarm district includes  territory  in  more
  than  one  county,  it  shall  become a participant only if all the town
  boards acting for and on behalf of such district shall have elected that
  such district shall become a participant in such a group,  and  in  such
  case  such  town  boards  shall  elect as to which county group it shall
  join. If any  participating  fire  protection  district  or  fire  alarm
  district  includes  territory  in  more than one town, whether or not in
  more than one county, the amount of cost of insurance, refund,  dividend
  or  discount  apportioned  to  such district shall be apportioned in the
  proportion that the population of the district  within  each  such  town
  bears  to  the  population  of  the entire district. The figure used for
  population in such case shall be the one stated in the agreement. If the
  boundaries  of  any  city,  village,  fire  district,  fire   protection
  district,  fire  alarm  district  or such outside territory in the group
  shall be changed during the  effective  period  of  any  such  insurance
  policy,  or  if  there  are  changes in the membership of the group, the
  agreement  heretofore   mentioned   concerning   population   shall   be
  appropriately  amended  by  a supplementary agreement to be executed and
  filed in the same manner as the original agreement, in  which  case  the
  coverage  of  the policy and the apportionment of the cost thereof shall
  be changed accordingly.
    3. Each policy issued pursuant to subdivisions one  and  two  of  this
  section  shall identify clearly each city, town, village, fire district,
  fire protection district, fire  alarm  district  and  outside  territory
  covered thereby.