[Hiring] Licensed Underwriting Services Associate @Kin Insurance

Role Description

Serve as the trusted voice of Kin, supporting and advocating for homeowners across 13 states. Handle policies, payments, and coverage questions while delivering fast, empathetic service in a high-volume environment. Active P&C license required. Join a team that puts customers first every single day.

Your Responsibilities

• Conduct risk reviews across the policy lifecycle, applying Kin's underwriting rulesets and exercising judgment within your delegated authority.
• Review and adjudicate inspection findings, including Coverage A valuations in the $1M to $2M range and escalated inspection cases.
• Own the risk file end to end at pre-bind, in active service, and at renewal: gather required documentation from customers, resolve open items, and prepare the file so Underwriting can make the coverage decision without rework.
• Field transferred calls and live inquiries from the Customer Service team related to underwriting inspection results, requirements, and coverage conditions, resolving them directly with customers.
• Serve as the risk-side partner to Sales on referred cases, taking the information-gathering and customer follow-up off the sales team while keeping the policy moving to bind.
• Manage post-bind and renewal underwriting requirements, including follow-ups on incomplete inspections and outstanding conditions.
• Complete RBR document gathering and manage escalated knockout-question resolution and complex customer correspondence.
• Process premium-bearing policy actions accurately and in compliance with state and underwriting requirements.
• Communicate underwriting outcomes to customers and partner teams clearly, including declines and additional-requirement conversations.
• Surface patterns and process gaps that can be turned into rules, reducing the volume that needs manual review over time.

Qualifications

• Active Property & Casualty (P&C) or Personal Lines license (required).
• Direct underwriting, underwriting-support, or advanced policy-servicing experience in home insurance.
• Working knowledge of property risk review, inspections, and pre-bind requirements.
• Sound judgment applying defined rulesets to individual policies, with the discernment to know when a case falls outside the rules and needs escalation.
• Strong written communication for customer-facing and cross-functional correspondence.
• Comfort navigating multiple systems and working in a fast-moving, evolving environment with limited structure.
• Bonus: prior experience with Kin's underwriting queues, inspections, or RBR workflows.

Requirements

• Availability to work our following shifts, Monday - Friday (will be placed based upon need):
• 7:00 AM - 4:00 PM CST
• 8:00 AM - 5:00 PM CST
• 9:00 AM - 6:00 PM CST
• 10:00 AM - 7:00 PM CST
• Rotating Saturday shift required every 4–6 weeks.

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.
• Employee referral bonuses.
• 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.
• 11 days of accrued PTO and 7 days paid sick leave per year, plus 8 paid company holidays with option to earn additional PTO annually.
• 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.