Remote Insurance Counsel - Multi-State Forms Drafting

Kin Insurance; Central City (NE); Remoto; USD 150.000 - 210.000; Tempo pieno

Vantaggi offerti da questo lavoro

RSUs and equity

401(k) with company match

Health insurance

Dental and vision

HSA contributions

Life insurance

Disability

Paid parental leave

Remote-friendly

Descrizione del lavoro

Kin Insurance seeks an Insurance Counsel - Forms to craft and refine policy language for new state launches, covering personal auto or property lines. You will draft complete forms packages, handle regulator objections, and advise internal teams on coverage interpretation and regulatory expectations.

You will anchor your line of business, serve as a back-up for the other line, and shape reusable drafting standards across states. Remote-first, with strong growth and impact.

Competenze

• 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

Mansioni

• 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.

Conoscenze

Juris Doctor (JD)

Policy form drafting

State statutes & regs interpretation

Regulator objections handling

Coverage interpretation

Cross-functional collaboration

Remote work adaptability

Formazione

JD degree

Descrizione del lavoro

Kin Insurance seeks an Insurance Counsel - Forms to craft and refine policy language for new state launches, covering personal auto or property lines. You will draft complete forms packages, handle regulator objections, and advise internal teams on coverage interpretation and regulatory expectations.

You will anchor your line of business, serve as a back-up for the other line, and shape reusable drafting standards across states. Remote-first, with strong growth and impact.