Insurance Counsel - Forms Drafting

Kin Insurance•St. Petersburg, FL

5d•$130,000 - $150,000•Remote

About The Position

Kin is seeking an Insurance Counsel - Forms to join their Legal & Compliance team. This role is responsible for drafting policy language that complies with state regulations and supports the company's expansion into new states and products. The individual will anchor either personal auto or property forms, serving as the drafting owner for their assigned line of business and as backup for the other. This position involves legal advisory work on coverage interpretation and form meaning, as well as first-pass legal review of forms and handling novel state law questions. The role is crucial for ensuring that Kin's policy forms are legally sound and ready for filing in new markets.

Requirements

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

Nice To Haves

Experience with Kin's lines of business: personal auto (UM and UIM, PIP, selection and rejection forms, state notices) or property (homeowners, condo, manufactured home, flood, or surplus lines notices)
Experience providing coverage opinions or interpreting and applying policy language to claims scenarios

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 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.

Benefits

Competitive salary and company equity through Restricted Stock Units (RSUs)
401(k) with company match up to 4% of eligible earnings
Multiple medical plan options
Dental coverage
Vision coverage
Company-funded HSA contributions
Company-paid life insurance
Company-paid 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
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
Professional development budgets for certifications, conferences, and learning