Licenced Underwriting Services Associate

Quick Summary

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.

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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder. 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 13 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 (2021-2024)

• Inc. 5000 Fastest-Growing Private Companies

• Forbes’ Fintech 50 (2025-2026)

• 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. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we’re building, visit kin.com and see how we work.

The Opportunity:

Underwriting Services is a new function at Kin that owns the risk work across the full policy lifecycle, from initial review through active service and renewal. As an Underwriting Services Associate, you'll put your property-risk and underwriting expertise to work at every stage: reviewing risk, adjudicating inspection findings, resolving requirements directly with customers, and partnering with Underwriting to keep policies moving accurately and quickly whether they're being bound, serviced, or renewed.

This is a licensed, hands-on risk role with real ownership. You'll manage complex risk files end to end, make the calls that sit within your delegated authority, and work directly with customers, Sales, and Underwriting to drive each case to a clear outcome. It's a strong fit for someone with underwriting or advanced policy expertise who wants to own the risk side of the customer experience and see cases through from open questions to resolution.

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

What You'll Bring

• 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

• 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

• Note: Rotating Saturday shift required every 4–6 weeks.

How we hire

We believe a great hiring experience should be clear, respectful, and human. Applications for this role are accepted on an on-going basis. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions.

The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:

• Prompt updates and feedback following interviews

• Interviews with recruiters, hiring managers, and members of teams

• Skills assessment relevant to the position, if applicable

• Genuine, thoughtful human interaction at every step

We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.

Core 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

Health & Wellbeing

• 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

Growth & Development

• Career mobility and internal growth opportunities across the organization

• Professional development budgets for certifications, conferences, and learning available, subject to management approval

Application Deadline:

Applications will close on Friday, October 9th at 3:00 pm CST.

How we work

We don’t just hire for skills. We hire for alignment. Kinfolk bring diverse perspectives, but we’re united by a shared set of values that shape how we work and how we show up for each other and our customers.

Run through walls, together - Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. We assume the best in each other and challenge ideas, not intentions. We show up, work hard, and play to each other's strengths — because that’s how great teams win.

Raise the bar. Drop the ego - Attitudes are contagious. Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. Like professional sports teams, we win by working in sync. We show up, work hard, and play to each other’s strengths.

Act like an owner - We are owners, fully accountable for achieving Kin’s mission. That requires positive, proactive, big-picture thinking well beyond our job descriptions. Ask questions, Take ownership. Do the right thing, even when it‘s hard. Because when Kin thrives, so do you. And so do our customers.

Operate lean. Deliver more - We build efficiency into everything we do. Each dollar we save gets reinvested to deliver more to our customers: better pricing, more products, and new innovations. We work smarter by relentlessly prioritizing and using technology, including AI, to multiply our impact. Lean is about focus, not deprivation. Lean isn't a limitation — it's our competitive advantage.

Keep asking ‘What if?’ - We value curiosity. To make insurance better for our customers, we experiment. We embrace insights. And we base decisions on data rather than assumptions. We see setbacks as opportunities for growth and are always learning and improving. Both individually and as a company.

Where we work

We are a remote-first company with offices in Chicago, IL and St. Petersburg, FL where teams can come together for collaboration.

For Sales Agents and Customer Service Agents: These roles sit in any of the following 32 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.

For all other positions, these roles can sit in any of the following 41 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.

For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered.

State locations and specifics are subject to change as our hiring requirements shift.

EEOC statement

Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to careers@kin.com