Remote Insurance Counsel: Policy Forms & State Launches

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

Benefits offered by this job

RSUs equity in Kin Insurance

401(k) with company match

Multiple medical plan options (dental/

Company-funded HSA contributions

Life insurance

Job summary

Kin Insurance seeks an Insurance Counsel - Forms to translate state statutes into filing-ready policy language as the company expands into new states and products. You will own drafting for either personal auto or property and advise on form wording with regulators and internal partners.

You’ll build base forms kits, draft endorsements and notices, and establish standards to speed future filings. This role reports to Senior Insurance Counsel, involves training others, and reviewing AI-assisted

Qualifications

• JD required with 5+ years of policy form drafting experience or equivalent in coverage interpretation such as claims litigation or coverage counsel.
• Experience reading state statutes and regulations directly and converting requirements into policy language.
• Experience drafting personal lines policy forms for multiple states.
• Experience drafting responses to regulator objections on form filings.

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. 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.

Skills

Policy forms drafting

Statutory research

Legal advice

State filings

Education

Juris Doctor (JD)

Job description

Kin Insurance seeks an Insurance Counsel - Forms to translate state statutes into filing-ready policy language as the company expands into new states and products. You will own drafting for either personal auto or property and advise on form wording with regulators and internal partners.

You’ll build base forms kits, draft endorsements and notices, and establish standards to speed future filings. This role reports to Senior Insurance Counsel, involves training others, and reviewing AI-assisted