[croon]

They answered this in a Techcrunch article: [1]

“Our initial application to the department was to give the money back to consumers. They were not going to do it as the laws are currently drafted,” said Daniel Schreiber.

They also stated they're hoping/looking to change those laws.

[1] https://techcrunch.com/2016/09/21/less-exciting-than-beyonce...

[sharkmerry]

But are the limited by the sole fact that they incorporated as a benefit corporation? Mutual insurance exists in New York, so this seems like they are misleading..