I realized after posting that my wording was a bit unfair. In France mutual insurances started out organized by and to the benefit of specific professions. Nowadays though, many are open to all, and I’m not even sure they are allowed to revert back to being restricted. What I meant is it’s probably possible to set up a mutual insurance as statutorily open to all to begin with, but I’m aware that it must be horribly complicated.
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