Insurance Counsel - Forms Drafting

Kin Insurance, Inc.; Northern (KY); Hybrid; USD 140,000 - 190,000; Full time

Benefits offered by this job

Competitive salary

RSUs included

401(k) with company match

Medical, dental, vision coverage

Company-funded HSA contributions

Life insurance & short-term disability

Paid time off & holidays

Parental leave

Professional development budget

Remote-first workplace

Job summary

Kin Insurance, Inc. is seeking an Insurance Counsel - Forms to own policy language for new state launches. You’ll draft and file forms, perform regulatory reviews, and advise internal teams on coverage interpretation while expanding personal auto and property lines across multiple states.

You’ll lead form packages, set drafting standards, and train teams, with remote-first work across the U.S. This role anchors state-specific filing programs for Kin’s growth trajectory.

Qualifications

• JD degree required and licensed to practice law.
• 5+ years of policy form drafting experience for personal lines across multiple states.
• Experience reading state statutes/regulations and converting requirements into policy language.
• Ability to draft responses to regulator objections and defend form wording.
• Experience advising business stakeholders on coverage interpretation and policy wording.
• Track record of independently delivering complete forms packages for filing.

Responsibilities

• Research state statutes and translate them into compliant policy wording.
• Draft responses to Department of Insurance objections and advocate Kin's position with regulators.
• Provide legal advice on coverage interpretation and form wording to internal partners.
• Draft complete state and product forms packages for your line of business, ready for filing.
• Perform first-pass legal review of forms drafted by the team and escalate novel state-law questions.
• Build and maintain base forms and state kits for your line of business across personal auto and property.
• Establish drafting standards and reusable language to speed future filings.
• Deliver internal training on policy forms, coverage interpretation, and regulatory expectations.
• Serve as backup drafter for the other line of business.
• Identify legal risks in proposed product designs before form drafting starts.
• Review AI-assisted drafts for regulatory compliance and establish guardrails.

Skills

Policy form drafting

Regulatory objections

Coverage interpretation

Cross-state drafting

Legal advising

AI governance

Education

Juris Doctor (JD)

Job description

Quick Summary

You're a lawyer who drafts. Own personal auto or property forms for new state launches, from statute to filing-ready package. JD and 5+ years of forms drafting required.

Who We Are

Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest. We start with smarter homeowners insurance and expand to everything homeowners need to thrive.

Using data, technology, and thoughtful human support, we're building products that are clear, fair, and help homeowners feel confident — so homeowners aren't left behind when they need help most.

Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 14 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability fosters outstanding growth, attracts marquee investors, and earns recognition and accolades, including:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2026)
• Forbes' America's Best Startup Employers (2026)
• Inc. 5000 Fastest-Growing Private Companies
• Forbes' Fintech 50 (2023-2026)
• Great Places to Work Certified (2024-2026)

Most importantly, we're building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we're building, visit kin.com and see how we work (https://www.linkedin.com/company/kin-insurance/life/kin/).

The Opportunity

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 elevate 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.
• Identify legal risks in proposed product designs or coverage changes before they reach the form-drafting stage.
• Review AI-assisted drafts and research for legal accuracy and regulatory compliance. Establish guardrails for where AI tools can be relied upon and where human legal judgment is required.
• Maintain and update the forms packages in your assigned line of business, revising them in response to new statutes, regulations, and DOI bulletins, and to product enhancements and coverage changes.

Success in This Role

In your first 6-12 months at Kin, success is less about checking boxes and more about the impact you create. You'll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin's mission forward. Along the way, you'll deliver outcomes that make a real difference for both Kinfolk and the homeowners we serve.

By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you've helped make.

• Multiple complete state and product forms packages for your line of business have been developed and delivered for filing.
• You are the go-to subject matter expert on Kin's policy forms in your line of business.
• Most forms now reach Senior Insurance Counsel only for final sign-off or novel state law questions.
• A filing deadline can be met even when one drafter is out, because you can step into the other line of business.
• Internal partners (Claims, Product, Underwriting, Sales & Customer Service) regularly come to you for coverage interpretation guidance, reducing escalations to Senior Insurance Counsel.

What You'll Bring

• A Juris Doctor (JD) degree
• 5+ years of policy form drafting experience, or a combination of policy form drafting and coverage interpretation, such as claims litigation or coverage counsel experience
• 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 if you have

• Experience with Kin's lines of business: personal auto (UM and UIM, PIP, selection and rejection forms, state notices) or property (homeowners, condo, manufactured home, flood, or surplus lines notices)
• Experience providing coverage opinions or interpreting and applying policy language to claims scenarios

How We Support You

We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.

Core Benefits

• Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level
• 401(k) with company match up to 4% of eligible earnings
• Multiple medical plan options, plus dental and vision coverage
• Company-funded HSA contributions (based on medical plan selection)
• Company-paid life insurance and short-term disability

Health & Wellbeing

• A variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance
• Access to mental health support and confidential counseling resources
• Flexible PTO for exempt employees (most employees take 15-20 days per year), plus 8 company-observed holidays
• Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents

Growth & Development

• Career mobility and internal growth opportunities across the organization
• Professional development budgets for certifications, conferences, and learning available, subject to management approval

How we work

We don’t just hire for skills. We hire for alignment. Kinfolk bring diverse perspectives, but we’re united by a shared set of values that shape how we work and how we show up for each other and our customers.

Run through walls, together - Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. We assume the best in each other and challenge ideas, not intentions. We show up, work hard, and play to each other’s strengths — because that’s how great teams win.

Raise the bar. Drop the ego - Attitudes are contagious. Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. Like professional sports teams, we win by working in sync. We show up, work hard, and play to each other’s strengths.

Act like an owner - We are owners, fully accountable for achieving Kin’s mission. That requires positive, proactive, big-picture thinking well beyond our job descriptions. Ask questions, Take ownership. Do the right thing, even when it‘s hard. Because when Kin thrives, so do you. And so do our customers.

Operate lean. Deliver more - We build efficiency into everything we do. Each dollar we save gets reinvested to deliver more to our customers: better pricing, more products, and new innovations. We work smarter by relentlessly prioritizing and using technology, including AI, to multiply our impact. Lean is about focus, not deprivation. Lean isn't a limitation — it's our competitive advantage.

Keep asking ‘What if?’ - We value curiosity. To make insurance better for our customers, we experiment. We embrace insights. And we base decisions on data rather than assumptions. We see setbacks as opportunities for growth and are always learning and improving. Both individually and as a company.

Where we work

We are a remote-first company with offices in Chicago, IL and St. Petersburg, FL where teams can come together for collaboration.

For Sales Agents and Customer Service Agents: These roles sit in any of the following 32 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.

For all other positions, these roles can sit in any of the following 41 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.

For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered.

State locations and specifics are subject to change as our hiring requirements shift.

EEOC statement

Kin is proud to be an Equal Employment Opportunity and Affluent Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to [e-mail]