Senior Policy Forms Analyst, Drafting at Kin

Job description

Quick Summary You'll lead policy forms drafting and coverage interpretation for all lines of business. Determine what forms each new state and product needs, help draft them from statute to filing-ready package, and be the person Claims, Product, and Underwriting turn to on coverage and complex forms questions. 5+ years of forms drafting or coverage experience required; JD strongly preferred. Level and pay are based on experience. 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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest.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. To learn more about how we work and what we're building, visit kin.com . The Opportunity You’ll join the Forms team within Legal & Compliance as the primary drafting owner for policy forms and coverage strategy across all of Kin’s current and future lines of business. Kin is entering new states and launching new products now, and that pace will continue through 2027 and beyond. A new state can’t open until its full form set is drafted, which puts this role on the critical path for growth. You’ll take on the most complex state packages while partnering closely with specialists in personal auto and property. You’ll also be the go-to advisor to the business on what our forms say and mean, and you’ll set the drafting standards and reusable templates the rest of the team builds from. Filing, version control, and system implementation sit with dedicated teammates, so your time goes to research, drafting, coverage guidance, and raising the team's output quality. Your Responsibilities Forms drafting Determine which forms each new state, product, or coverage change requires, including base policies, endorsements, state amendatory endorsements, selection and rejection forms, and required notices, and build the forms plan before drafting begins. Lead and help draft complete new state and product forms packages across all of Kin’s lines of business, ready for filing. Tackle the most complex new-state packages, including states with extensive or ambiguous statutory requirements, and develop the drafting approach for the team. Research state statutes and regulations directly and translate them into compliant, clear policy wording. Build and maintain the countrywide base forms and reusable state kits for every line of business. 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. Maintain and update forms packages across all lines, revising them in response to new statutes, regulations, and DOI bulletins, and to product enhancements and coverage changes. Partner with the personal auto and property specialists to set drafting priorities and coordinate work across lines, so no launch depends on a single person. Coverage interpretation and review Serve as the coverage expert for C