What type of insurance company is domiciled in England but conducts business in Florida?

An insurance company that is domiciled in England but conducts business in Florida is classified as an "alien" insurer. In insurance terminology, an alien insurer is a company that is incorporated or organized in a country other than the one in which it is operating. In this case, since the company is based in England, it is considered alien when it operates in Florida.

The concept of company domicile is crucial in understanding how insurance regulations and laws apply. A domestic insurer operates within the state where it is incorporated, while a foreign insurer is one that is incorporated in a different state within the same country. The term "surplus lines" refers to a specific category of insurance that is available when coverage cannot be obtained through licensed insurers, but does not indicate the domicile of the company itself.

Understanding these classifications is essential for insurance professionals, as they impact the regulatory requirements and the legal frameworks that govern insurance operations in different jurisdictions.