Remote Insurance Counsel: Policy Forms Lead

Kin Insurance; Texas; Remote; USD 150,000 - 200,000; Full time

Job summary

Kin Insurance seeks an Insurance Counsel - Forms to lead the drafting of personal auto or property policy language as Kin expands into new states. You’ll translate statutes into filing-ready forms and advise internal teams on interpretation and regulator interactions.

You’ll anchor one line and back up the other, shaping a scalable base of forms and a compliant, regulator-ready filing program for Kin’s nationwide growth.

Qualifications

• 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.
• Experience drafting complete forms packages independently, from initial 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 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.
• 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.

Skills

Policy form drafting

Legal drafting

Regulatory compliance

Stakeholder communication

Education

Juris Doctor (JD)

Job description

Kin Insurance seeks an Insurance Counsel - Forms to lead the drafting of personal auto or property policy language as Kin expands into new states. You’ll translate statutes into filing-ready forms and advise internal teams on interpretation and regulator interactions.

You’ll anchor one line and back up the other, shaping a scalable base of forms and a compliant, regulator-ready filing program for Kin’s nationwide growth.