Remote Insurance Counsel: Policy Forms & State Expansions

Kin Insurance; Maryland; Remote; USD 150,000 - 210,000; Full time

Benefits offered by this job

401(k) with company match

Restricted Stock Units (RSUs)

Medical, dental, vision coverage

Paid parental leave

Job summary

Kin Insurance is seeking an Insurance Counsel - Forms to drive aggressive state and product expansion through drafting robust policy language. You will anchor either personal auto or property, support form-related regulatory matters, and ensure filing-ready packages.

JD and 5+ years of forms drafting are required, with remote-first collaboration across Kinfolk in many states. You will work within the Legal & Compliance team to craft clear, compliant forms, advise stakeholders, and uphold Kin's

Qualifications

• JD required with 5+ years of policy form drafting experience.
• Experience drafting personal lines policy forms for multiple states.
• Experience reading state statutes 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.

Responsibilities

• Research state statutes and regulations and translate them into compliant policy wording.
• Draft responses to Department of Insurance objections on forms and advocate 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 and escalate novel state law questions.
• Build and maintain countrywide base forms and reusable state kit for your line of business.
• Establish drafting standards and reusable language for faster state package production.
• Design and deliver internal training on Kin's policy forms and regulatory expectations.
• Serve as backup drafter for the other line of business.
• Identify legal risks in proposed product designs or coverage changes before form drafting.
• Review AI-assisted drafts for legal accuracy and establish guardrails for AI usage.
• Maintain and update forms packages in response to statutes, regulations, DOI bulletins, and product changes.

Skills

Policy drafting

Regulatory interpretation

Legal advice

Cross-functional collaboration

Regulatory objections

Education

Juris Doctor (JD)

Job description

Kin Insurance is seeking an Insurance Counsel - Forms to drive aggressive state and product expansion through drafting robust policy language. You will anchor either personal auto or property, support form-related regulatory matters, and ensure filing-ready packages.

JD and 5+ years of forms drafting are required, with remote-first collaboration across Kinfolk in many states. You will work within the Legal & Compliance team to craft clear, compliant forms, advise stakeholders, and uphold Kin's