Insurance Counsel - Forms Drafting

QUICK SUMMARY

You're a lawyer who drafts. Own personal auto or property forms for new state launches, from statute to filing-ready package. JD and 5+ years of forms drafting required.

WHO WE ARE

Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest. We start with smarter homeowners insurance and expand to everything homeowners need to thrive.

Using data, technology, and thoughtful human support, we're building products that are clear, fair, and help homeowners feel confident — so homeowners aren't left behind when they need help most.

Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 14 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability fosters outstanding growth, attracts marquee investors, and earns recognition and accolades, including:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2026)

• Forbes' America's Best Startup Employers (2026)

• Inc. 5000 Fastest-Growing Private Companies

• Forbes' Fintech 50 (2023-2026)

• Great Places to Work Certified (2024-2026)

Most importantly, we're building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we're building, visit kin.com http://kin.com and see how we work (https://www.linkedin.com/company/kin-insurance/life/kin/).

THE OPPORTUNITY

We're looking for an Insurance Counsel - Forms to help us turn aggressive state and product expansion into policy language that holds up. Kin is entering new states and launching new products now, and that pace will continue through 2027 and beyond. Nothing sells in a new state until its full form set is drafted, and statutory research and original drafting are work that can't be handed off. This role is that work.

You'll join the Forms team within Legal & Compliance, reporting to our Senior Insurance Counsel. You'll anchor either personal auto or property, depending on your experience, and serve as backup for the other line. You'll be the drafting owner for your line of business. You'll also be a legal advisor to the business on what our forms say and mean, and you'll handle first-pass legal review so novel state law questions get the attention they need.

YOUR 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 escalate 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 fo