Senior Insurance Counsel - Policy Forms (Auto/Property)

Kin Insurance; Iowa; Remote; USD 180,000 - 240,000; Full time

Job summary

Kin Insurance seeks an Insurance Counsel - Forms to turn aggressive state and product expansion into filing-ready policy language. The role anchors personal auto or property, drafts complete state and product forms, and provides regulatory guidance.

You’ll support DOI processes, audits, and cross-functional partners to ensure compliant, clear policy language. You will join a remote-first team within Legal & Compliance, reporting to Senior Insurance Counsel.

Qualifications

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

Responsibilities

• Draft complete state and product forms packages for your line of business, including base policies, endorsements, and notices.
• Provide legal advice on coverage interpretation and form wording to internal partners.
• Research state statutes and regulations and translate them into compliant policy wording.
• Review AI-assisted drafts for legal accuracy and regulatory compliance.
• Maintain and update forms packages in response to new statutes and product changes.

Skills

Policy form drafting

Regulatory drafting

Coverage interpretation

State-specific drafting

Regulatory objections

Education

Juris Doctor (JD)

Job description

Kin Insurance seeks an Insurance Counsel - Forms to turn aggressive state and product expansion into filing-ready policy language. The role anchors personal auto or property, drafts complete state and product forms, and provides regulatory guidance.

You’ll support DOI processes, audits, and cross-functional partners to ensure compliant, clear policy language. You will join a remote-first team within Legal & Compliance, reporting to Senior Insurance Counsel.