Insurance Counsel: Policy Forms for New States

Kin Insurance; Pennsylvania; Remote; USD 150,000 - 240,000; Full time

Benefits offered by this job

RSUs

401(k) matching

Medical, Dental & Vision benefits

HSA contributions

Life insurance

Flexible PTO

Job summary

Kin Insurance is seeking an Insurance Counsel - Forms to drive state and product expansion with policy language that stands up to scrutiny. You will anchor either personal auto or property lines and serve as the drafting owner, advising the business on what forms say and mean, plus handling first-pass legal reviews.

In this remote-first role, you will draft complete state and product form packages, build reusable language, and mentor others while ensuring regulatory compliance across multiple

Qualifications

• 5+ years of policy form drafting or equivalent experience.
• Experience drafting personal lines policy forms for multiple states.
• Experience reading state statutes and regulations 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

Responsibilities

• Research state statutes and translate them into compliant, clear policy wording.
• Draft responses to Department of Insurance objections on forms and advocate for Kin's position with regulators.
• Provide legal advice on coverage interpretation and form wording to internal partners.
• Draft complete new state and product forms packages for your line of business, including base policies and endorsements.
• 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.
• Establish drafting standards and reusable language for faster state package production.
• Design and deliver internal training on Kin's policy forms and state regulatory expectations.
• Serve as the backup drafter for the other line of business.
• Identify legal risks in proposed product designs or coverage changes before drafting.
• Review AI-assisted drafts and research for legal accuracy and regulatory compliance.
• Maintain and update the forms packages in response to new statutes and DOI bulletins.

Skills

Policy form drafting

Regulatory drafting

Statutory research

Regulatory objections responses

Coverage interpretation advice

Form packages drafting independently

Education

Juris Doctor (JD)

Job description

Kin Insurance is seeking an Insurance Counsel - Forms to drive state and product expansion with policy language that stands up to scrutiny. You will anchor either personal auto or property lines and serve as the drafting owner, advising the business on what forms say and mean, plus handling first-pass legal reviews.

In this remote-first role, you will draft complete state and product form packages, build reusable language, and mentor others while ensuring regulatory compliance across multiple