Remote Insurance Counsel — Policy Forms Lead

Kin Insurance; Clayton (NM); Remote; USD 160,000 - 210,000; Full time

Benefits offered by this job

RSUs (restricted stock units)

401(k) with company match

Multiple medical/dental/vision plans

Company-funded HSA contributions

Life insurance & short-term disability

Job summary

Kin Insurance is seeking an Insurance Counsel - Forms to translate aggressive state and product expansion into robust, filing-ready policy language. You will anchor either personal auto or property forms, back up the other line, and advise on regulatory interpretations across multiple states.

You will collaborate with Claims, Product, and Customer Experience teams, lead form-packaging efforts, and shape standards to speed future state rollouts while maintaining regulatory compliance.

Qualifications

• A Juris Doctor (JD) degree is required.
• 5+ years of policy form drafting experience or equivalent in claims litigation/coverage counsel.
• Experience drafting personal lines policy forms for multiple states.
• Experience reading state insurance statutes and regulations and converting requirements into policy language.
• Experience drafting responses to regulator objections on form filings.
• Experience advising stakeholders on coverage interpretation and policy wording.
• Track record of drafting complete forms packages independently, from research to filing-ready.

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 with regulators, including in audits and market conduct exams.
• Provide legal advice on coverage interpretation and form wording to internal partners, and advise on form-related legal questions during audits.
• Draft complete new state and product forms packages for your line of business, including base policies, endorsements, and 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.
• Establish drafting standards and reusable language to accelerate future state packages.
• Design and deliver internal training on policy forms, coverage interpretation, and 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 before form-drafting.
• Review AI-assisted drafts for legal accuracy and regulatory compliance; establish guardrails for AI use.
• Maintain and update forms packages in response to new statutes, regulations, and product changes.

Skills

Legal drafting

Policy interpretation

Regulatory compliance

Cross-state drafting

Education

Juris Doctor (JD)

Job description

Kin Insurance is seeking an Insurance Counsel - Forms to translate aggressive state and product expansion into robust, filing-ready policy language. You will anchor either personal auto or property forms, back up the other line, and advise on regulatory interpretations across multiple states.

You will collaborate with Claims, Product, and Customer Experience teams, lead form-packaging efforts, and shape standards to speed future state rollouts while maintaining regulatory compliance.