Senior Policy Forms Analyst, Drafting

Kin Insurance•St. Petersburg, FL

5d•$80,000 - $95,000•Remote

About The Position

This role will lead forms drafting for the personal auto or property line of business, owning the base forms architecture and driving new state packages from research to filing, with attorney review. The Senior Policy Forms Analyst will be responsible for drafting complete new state and product forms packages, building and maintaining countrywide base forms and reusable state kits, and researching state statutes and regulations to translate them into compliant policy wording. The position also involves drafting responses to Department of Insurance objections, participating in regulatory discussions, establishing drafting standards, leading internal knowledge sharing, and serving as a backup drafter for other lines of business. The analyst will also use and evaluate AI-assisted research and drafting tools and maintain and update forms packages in response to new statutes, regulations, product enhancements, and coverage changes.

Requirements

5+ years of policy form drafting 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
Track record of drafting complete forms packages independently, with attorney review as the only check
Demonstrated ability to handle complex or ambiguous statutory requirements with minimal guidance

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)

Responsibilities

Tackle the most complex new-state packages, including states with extensive or ambiguous statutory requirements, and develop the drafting approach for the team.
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.
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.
Research state statutes and regulations directly and translate them into compliant, clear policy wording.
Draft responses to Department of Insurance objections and participate in regulatory discussions alongside counsel.
Own your drafts from first research to attorney-approved final, working independently.
Establish drafting standards and reusable language that make each new state package faster to produce than the last.
Lead internal knowledge sharing on Kin's policy forms in your line of business.
Serve as the backup drafter for the other lines of business, so no launch depends on a single person.
Use and evaluate Kin’s AI-assisted research and drafting tools—including tools for competitor research, automated formatting, and AI-assisted statutory research—as part of the daily drafting workflow. Apply human judgment to assess AI-generated output, flag areas requiring review, and identify opportunities to improve tool accuracy, coverage, and effectiveness.
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), 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
A variety of 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