Under NY Insurance Law § 107(a), an insurer organized under the laws of Bermuda and writing business in New York is classified as which type of insurer?

Why this is the answer

NY uses the standard three-tier domicile classification: a 'domestic' insurer is organized under NY law; a 'foreign' insurer is organized under the laws of another U.S. state or territory; an 'alien' insurer is organized under the laws of a foreign nation (Bermuda, Cayman Islands, UK, etc.). All three may seek a NY Certificate of Authority under § 1102; alien insurers must additionally maintain a U.S. trusteed surplus and a U.S. branch office to qualify.