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As used in this title, unless the context otherwise requires:
“Reciprocal” means the aggregation of subscribers under a common name; and
“Reciprocal insurance” means insurance resulting from the mutual exchange of insurance contracts among persons in an unincorporated association under a common name through an attorney-in-fact having authority to obligate each person both as insured and insurer.
As used in this chapter, unless the context otherwise requires:
“Attorney” means the person designated and authorized by subscribers as the attorney-in-fact having authority to obligate them on reciprocal insurance contracts;
“Commissioner” means the commissioner of commerce and insurance;
“Department” means the department of commerce and insurance;
“Person” means any association, aggregate of individuals, business, company, corporation, individual, joint-stock company, Lloyds-type organization, organization, partnership, receiver, reciprocal or interinsurance exchange, trustee or society; and
“Person” also includes the federal government, any state, any county, city, town, school board, or any other local governmental authority or local agency or public service corporation owned, operated or controlled by a locality or local government authority, with power to enter into contractual undertakings within or without the state; and
“Subscriber” means a person obligated under a reciprocal insurance agreement.