What type of insurer is organized under the laws of a different state or jurisdiction within the United States?

A foreign insurer is one that is organized under the laws of a different state or jurisdiction within the United States. When discussing insurance regulation, the terms "domestic," "foreign," and "alien" are crucial. A domestic insurer is one that is incorporated in the state where it is doing business. In contrast, a foreign insurer operates in a state different from where it was incorporated. This means that if an insurance company is based in, say, Ohio but sells policies in Michigan, it is considered a foreign insurer in Michigan.

The classification extends to "alien insurers," which are those that are incorporated outside of the United States entirely. A commercial insurer is a broader category that includes various types of insurance companies that provide coverage primarily to businesses rather than individuals. Therefore, the distinguishing characteristic of a foreign insurer is its presence and operation across state lines within the United States, which is what makes this answer correct.