Underwriter
Kin is redesigning insurance to be smarter, faster, and centered on the customer. We use intelligent pricing, offer seamless bundling, and make every step (from purchasing, servicing to claims) simple and friction-free, especially in the places traditional insurers often ignore.
We empower people to protect what matters most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:
Built In Chicago's Best Places to Work, Midsize Companies (2021-2025).
Forbes' America's Best Startup Employers (2021- 2024, Ranked #37 in 2024).
Inc. 5000 Fastest-Growing Private Companies.
Forbes’ Fintech 50.
Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.
So, what’s the role?
As an Underwriter at Kin, you will play a crucial role in assessing risks and determining the profitability of insurance policies. You will demonstrate proficiency in risk evaluation, selection, and retention of profitable businesses within assigned authority limits. You should be licensed and understand the personal lines and auto insurance space, emphasizing underwriting and risk selection. This position will support operations, claims, and other cross-functional teams.
A day in the life could include:
Consistently meet set KPI and push towards stretch KPIs
Maintain a minimum quality score of 95%
Carefully select and underwrite risks in accordance with statutory and company requirements/guidelines to ensure profitability and business targets are met
Reviewing submissions, endorsements, inspection, and renewal reviews within the assigned level of authority
Escalating to Sr/Executive Underwriters based on authority levels
Processing of policy changes or updates, both internal and external-customer-facing
Provide mentorship, support, and guidance within and across teams
Follow policies from new businesses through the life cycle of the policy
Retention task force with cross-collaboration teams
Collaborate with the team to develop new ways to evaluate risk and identify ways to improve customer workflows and automation.
Work closely with operations management on de-escalations and negative reviews
May be asked to collaborate with senior team members on ad hoc projects
Additional tasks and responsibilities may change depending on company procedure updates, automation, new product launches, and business needs
I’ve got the skills… but do I have the necessary ones?
5+ years of prior underwriting experience in auto and personal lines
Ability to work independently with minimal structure and oversight
Superior customer service and interpersonal skills
Ability to communicate effectively with internal and external customers in an efficient, empathetic, and respectful manner
Driven to improve performance and efficiency
Develop skills in tactful de-escalation techniques and autonomous decision-making
Business acumen to make sensible and intelligent decisions that help Kin’s profitability, driving customer retention
Has an understanding of how customer behavior impacts the propensity for loss
Ability to work in a fast-paced and ever-changing environment with limited structure
Ability to context switch seamlessly between tasks as priority and team needs dictate
Proficient in Google Suite or similar tools and capable of navigating multiple tools and windows at the same time
A need for high efficiency, always looking for ways to improve processes and customer experience
Business acumen to make sensible and intelligent decisions that help Kin’s profitability, driving customer retention
Ability to switch seamlessly between tasks as a priority and the team's needs
Critical thinking and problem-solving skills
Bonus Points:
A bilingual Spanish speaker is a plus, but optional
Umbrella or high net worth personal lines underwriting experience
Oh, and don’t worry, we’ve got you covered!
We offer a comprehensive benefits program, allowing you to choose the benefits that are best for you and your family including: Medical, Dental, Vision, Life Insurance, Short and Long Term Disability Insurance options, Employee Assistance Program, as well as elective voluntary benefits such as accident insurance, hospital indemnity, critical illness, legal assistance and pet insurance. Kinfolk become eligible for benefits on the first day of the month following their start date.
In addition to these benefits, we are also excited to offer the following:
Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level.
401K with company match of up to 4% of eligible earnings
Flexible PTO for exempt employees, along with 8 company-observed holidays
A paid parental leave program that provides 100% salary continuation of up to 14 weeks for birthing parents and 8 weeks for non-birthing parents
Continuing education and professional development opportunities
Kin will accept applications for the role until February 9th, 2026
For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.
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.
For all other positions, these roles can sit in any of the following 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, 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.
State locations and specifics are subject to change as our hiring requirements shift.
About Kin
Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com.
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