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Kin Insurance is seeking an Insurance Counsel - Forms Drafting to own policy form development for new state launches and product expansions. You will be the primary drafter for either personal auto or property lines, responsible for translating state statutes and regulations into compliant, clear policy language.
Key Responsibilities:
- Research state insurance statutes and regulations directly, converting requirements into compliant policy wording
- Draft complete new state and product forms packages (base policies, endorsements, state amendatory endorsements, required notices) ready for filing
- Develop responses to Department of Insurance objections on forms and advocate for Kin's position with regulators during audits and market conduct exams
- Provide legal advice to internal partners (Claims, Product, Customer Experience, Underwriting) on coverage interpretation and form wording
- Perform first-pass legal review of forms drafted within the team, escalating novel state law questions to Senior Insurance Counsel
- Build and maintain countrywide base forms and reusable state kits for your assigned line of business
- Establish drafting standards and reusable language to accelerate future state launches
- Serve as backup drafter for the other line of business to ensure no launch depends on a single person
- Design and deliver internal training on Kin's policy forms, coverage interpretation, and state regulatory expectations
- Identify legal risks in proposed product designs or coverage changes before form-drafting stage
- Review AI-assisted drafts and research for legal accuracy and compliance, establishing guardrails for AI tool usage
- Maintain and update forms packages in response to new statutes, regulations, DOI bulletins, and product enhancements
You'll report to the Senior Insurance Counsel within the Legal & Compliance team. Success in the first year means delivering multiple complete state and product forms packages, becoming the go-to subject matter expert on Kin's policy forms, reducing escalations to Senior Insurance Counsel, and enabling the team to meet filing deadlines even when one drafter is unavailable.
About Kin: Founded in 2016, Kin is a remote-first fintech company making homeowners insurance simpler and more affordable, especially in high-risk areas. The company serves customers in 14 states and is expanding aggressively through 2027. Kin has been recognized as a Forbes Fintech 50 company, included in Inc. 5000 Fastest-Growing Private Companies, and named to Forbes' America's Best Startup Employers and Built In Chicago's Best Places to Work.
Requirements:
- Juris Doctor (JD) degree
- 5+ years of policy form drafting experience, or combination of policy form drafting and coverage interpretation (e.g., claims litigation, coverage counsel)
- Experience drafting personal lines policy forms for multiple states
- Experience reading state insurance statutes and regulations directly and converting requirements into policy language
- Experience drafting responses to regulator objections on form filings
- Experience advising business stakeholders on coverage interpretation and policy wording
- Track record of drafting complete forms packages independently, from initial research to filing-ready
Bonus qualifications:
- Experience with personal auto lines (UM/UIM, PIP, selection and rejection forms, state notices) or property lines (homeowners, condo, manufactured home, flood, surplus lines notices)
- Experience providing coverage opinions or interpreting and applying policy language to claims scenarios
