which state&#39;s laws would an &quot;insurer&quot; be subject to if were a USA subsidiary of a foreigncompany and it owns offices across the entire UStatesAmerica?
<p>Which state's laws would an &quot;insurer&quot; be subject to if were a USA subsidiary of a  foreigncompany with headquarters in state X, and global offices, offices scattered across the United States of America (USA), and tons of subsidiaries of itself?</p>
<p>Does it subject to laws of wherever the broker lives or wherever the client lives?</p>
<p>What if the insurer were to remain silent on where legal fights would be done in their policy?</p>
<p>I had mentioned laws before such as this:</p>
<blockquote>
<p>In accordance with N.J.S.A. 17:17-10b and N.J.A.C. 11:2-29.3, non-renewals shall not commence prior to one calendar year and 90 days following the submission of the informational filing, a notice of non-renewal shall be sent to every policyholder no later than one year preceding the date of non-renewal, and the non-renewal period shall not exceed three years.</p>
</blockquote>

<p>The insurer is subject to the laws of the state that it is doing business in. If a customer lives in a state where the company does not operate, the customer will have to get a new insurance company. You can travel to another state, no problem, but you can't live in a state where the company is not licensed. My former homeowner's insurance company does not operate in my current state so I had to get a new insurer when I moved. The actual residence of the agent / broker is irrelevant (given interstate commuting), what matters is the company's license to operate, and where the customer &quot;is&quot;. If a doctor lives in Oregon, practices in Idaho and has a rental home insured in Washington, the homeowner's policy would have to be through an Oregon-licensed company, the malpractice insurance would be via an Idaho company, and the rental house insurance would be via a Washington company.</p>

united-states corporate-law insurance jurisdiction subsidiaries