Senior Policy Forms & Coverage Architect

Midwest Startups; United States; Remote; USD 80,000 - 150,000; Full time

Benefits offered by this job

RSUs equity

401(k) with company match

Medical, dental, vision

HSA contributions

Life insurance

Paid parental leave

Flexible PTO

Job summary

Kin seeks an experienced policy forms specialist to own drafting and coverage interpretation across all lines. You will determine which forms are needed for new states and products, draft from statute to filing-ready packages, and set reusable templates for the team.

You will serve as a coverage expert for Claims, Product, Underwriting, Sales, and Customer Experience, shaping product design, monitoring statutes, and responding to regulator objections.

Qualifications

• 5+ years of policy form drafting or related coverage experience.
• Experience deciding what forms a new state or product requires and drafting personal lines policy forms for multiple states.
• Experience reading state statutes and translating requirements into policy language.
• Experience responding to regulator objections and inquiries on form filings.
• Experience serving as a coverage expert for underwriting, claims, and sales teams.
• Working knowledge of how forms interact with manual rules, rates, and underwriting guidelines.
• Track record of developing complete forms packages independently, from research to filing-ready.
• Demonstrated ability to handle complex or ambiguous statutory requirements with minimal guidance.

Responsibilities

• Determine which forms each new state, product, or coverage change requires and build the forms plan before drafting begins.
• Lead and help draft complete new state and product forms packages across all lines, ready for filing.
• Tackle complex new-state packages and develop the drafting approach for the team.
• Research state statutes and regulations and translate into compliant policy language.
• Build and maintain countrywide base forms and reusable state kits for every line of business.
• Maintain and update forms packages across lines in response to statutes, regulations, and product changes.
• Partner with specialists to set drafting priorities and coordinate work across lines.

Skills

Policy form drafting

Coverage interpretation

Regulatory understanding

Statutory research

Cross-functional collaboration

Education

Juris Doctor (JD)

Job description

Kin seeks an experienced policy forms specialist to own drafting and coverage interpretation across all lines. You will determine which forms are needed for new states and products, draft from statute to filing-ready packages, and set reusable templates for the team.

You will serve as a coverage expert for Claims, Product, Underwriting, Sales, and Customer Experience, shaping product design, monitoring statutes, and responding to regulator objections.