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Insurance Counsel - Forms Drafting

Kin Insurance· Insurance
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Remote$130k - $150kFull-timePosted 2w ago

About the role

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

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.
  • 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.

Qualifications

  • A Juris Doctor (JD) degree
  • 5+ years of policy form drafting experience, or a combination of policy form drafting and coverage interpretation, such as claims litigation or coverage counsel experience
  • Experience drafting personal lines policy forms for multiple states
  • Experience reading state insurance statutes and regulations directly 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
  • Track record of drafting complete forms packages independently, from initial research to filing-ready

Skills

Required:Juris Doctor (JD)policy form draftingstate insurance statutes and regulations interpretationregulator objections handlingcross-functional collaboration

Benefits

  • Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level
  • 401(k) with company match up to 4% of eligible earnings
  • Multiple medical plan options, plus dental and vision coverage
  • Company-funded HSA contributions (based on medical plan selection)
  • Company-paid life insurance and short-term disability
  • Supplemental benefit options including long-term disability, critical illness, accident, legal, and pet insurance
  • Access to mental health support and confidential counseling resources
  • Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays
  • Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents
  • Career mobility and internal growth opportunities across the organization
  • Professional development budgets for certifications, conferences, and learning available, subject to management approval
Last updated Oct 7, 2026. Interested? Apply on the company site.

About Kin Insurance

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