Kin Insurance Counsel responsible for drafting personal auto or property insurance forms for new state launches. Role includes statutory research, drafting, and regulatory advocacy.
Responsibilities
We're looking for an Insurance Counsel - Forms to help us turn aggressive state and product expansion into policy language that holds up. Kin is entering new states and launching new products now, and that pace will continue through 2027 and beyond. Nothing sells in a new state until its full form set is drafted, and statutory research and original drafting are work that can't be handed off. This role is that work.
You'll join the Forms team within Legal & Compliance, reporting to our Senior Insurance Counsel. You'll anchor either personal auto or property, depending on your experience, and serve as backup for the other line. You'll be the drafting owner for your line of business. You'll also be a legal advisor to the business on what our forms say and mean, and you'll handle first-pass legal review so novel state law questions get the attention they need.
Your Responsibilities
Research state statutes and regulations directly and translate them into compliant, clear policy wording.
Draft responses to Department of Insurance objections on forms and advocate for Kin's position on form wording with regulators, including in forms-related audits and market conduct exams.
Provide legal advice on coverage interpretation and form wording to internal partners, including Claims, Product, and Customer Experience, and advise on form-related legal questions arising during DOI audits and market conduct exams.
Draft complete new state and product forms packages for your line of business, including base policies, endorsements, state amendatory endorsements, and required notices, ready for filing.
Perform first-pass legal review of forms drafted within the Forms team, and escalate novel state law questions to Senior Insurance Counsel.
Build and maintain the countrywide base forms and reusable state kit for your line. For personal auto, that includes UM and UIM, PIP, selection and rejection forms, and state notices. For property, it includes homeowners, manufactured home, condo, and flood, including surplus lines notices where applicable.
Establish drafting standards and reusable language that make each new state package faster to produce than the last.
Design and deliver internal training on Kin's policy forms, coverage interpretation, and state regulatory expectations.
Serve as the backup drafter for the other line of business, so no launch depends on a single person.
