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P&CMAeasy

In standard insurance terminology, an insurance company organized under the laws of a country other than the United States that is admitted to transact insurance in Massachusetts is classified as which type of insurer?

ADomestic insurer
BNonadmitted insurer
Alien insurer
DReciprocal insurer

Why this is the answer

Insurance terminology classifies insurers by where they are organized: domestic (in the home state), foreign (in another U.S. state) and alien (outside the United States). A non-U.S. carrier admitted in MA is therefore an alien insurer; admission does not change its domicile. M.G.L. c. 175 §1 itself defines only "domestic" and "foreign" companies, its "foreign company" reaching any state or government other than the commonwealth, and c. 175 §168A uses "alien" for non-U.S. insurers.

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