About this role
Quick Summary Evaluate risk, protect profitability, and elevate the customer experience — underwriting personal lines policies with discipline, empathy, and business acumen.
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simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest.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 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
We’re looking for an experienced Underwriter to assess risk, protect profitability, and support profitable growth across our personal lines portfolio. This role exists to ensure thoughtful risk selection, disciplined underwriting decisions, and strong customer outcomes within defined authority levels.
As an Underwriter at Kin, you’ll evaluate submissions, endorsements, inspections, and renewals while collaborating closely with operations, claims, and cross-functional partners. You’ll balance business acumen, regulatory compliance, and customer empathy — helping Kin grow responsibly while maintaining underwriting excellence in a fast-paced, evolving environment.
Your responsibilities
Evaluate, select, and underwrite personal lines risks within assigned authority limits to meet profitability and business targets.
Review new business submissions, endorsements, inspections, and renewal policies with accuracy and efficiency.
Escalate risks appropriately to Senior or Executive Underwriters when authority thresholds are exceeded.
Process policy changes and updates for internal teams and customer-facing transactions.
Consistently meet or exceed established KPIs and maintain a minimum quality score of 95%.
Support retention initiatives by collaborating cross-functionally to improve customer outcomes and reduce churn.
Partner with operations management on de-escalations and negative review resolution.
Mentor and support teammates by sharing underwriting knowledge and best practices.
Identify opportunities to improve workflows, automation, and risk evaluation methods.
Manage policies throughout their lifecycle, ensuring compliance with statutory and company guidelines.
Contribute to ad hoc projects and evolving responsibilities as business needs, automation, and product offerings change.
Success in this role
In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. You’ll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin’s mission forward. Along the way, you’ll deliver outcomes that make a real difference for both Kinfolk and the homeowners we serve.
By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you’ve helped make.
Underwriting decisions consistently align with profitability targets, authority guidelines, and risk appetite.
Quality scores and KPI performance meet or exceed expectations while maintaining strong customer experience standards.
Cross-functional partners rely on your judgment for de-escalations, retention efforts, and complex risk reviews.
Process improvements or workflow enhancements contribute to greater efficiency and reduced friction for customers and internal teams.
What you’ll bring
5+ years of underwriting experience in auto and personal lines insurance.
Active insurance license and strong knowledge of personal lines underwriting and risk selection principles.
Experience making independent underwriting decisions within defined authority limits.
Ability to operate effectively in a fast-paced, evolving environment with limited structure.
Business acumen to evaluate how underwriting decisions impact profitability, retention, and overall portfolio performance.
Understanding of how customer behavior influences loss propensity and risk exposure.
Strong communication skills with the ability to engage internal and external stakeholders in an empathetic, professional manner.
Ability to context-switch efficiently between tasks and manage competing priorities.
Proficiency in Google Suite or similar tools and comfort navigating multiple systems simultaneously.
Demonstrated critical thinking, problem-solving skills, and a continuous improvement mindset.
Bonus:
Bilingual Spanish proficiency.
Experience underwriting umbrella or high-net-worth personal lines policies.
How we hire
We believe a great hiring experience should be clear, respectful, and human. We’ll accept applications for this position until March 30th, 2026. 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
How we support you
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
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
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
Growth & Development
Career mobility and internal growth opportunities across the organization
Professional development budgets for certifications, conferences, and learning available, subject to management approval
How we workWe 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 - Our industry is stuck in the status quo. But Kin is different. We are challengers. Innovators unwavering in our mission to fix insurance for those who need it most. We are changing insurance for good. We roll up our sleeves, take action, and get “impossible” things done every day with grit and teamwork.
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 workWe 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 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 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.
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 statementKin 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 [email protected]