Underwriting Associate

Kin is on a mission to change home insurance from what it is to what it should be. Whether we’re leveraging data to create customizable coverage or providing claims service that goes above and beyond expectations, our members are at the heart of everything we do. In the face of ever-growing climate risk, they deserve an insurance company that cares about them. We aim to stick with our members through thick and thin.

We use efficient technology that lets homeowners buy directly from us to keep costs down. This is the essence of Kin. 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 (2021-2024).

• Forbes’ America’s Best Startup Employers (2021- 2023).

• 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?

We are looking for proactive Underwriting Associates to join our team and help ensure profitability and growth through expert risk assessment and selection. As a key player in our operations, you will evaluate and review applications for insurance coverage, working closely with assigned underwriters and regions. You’ll have the opportunity to guide new business, inspections, and renewals while supporting our claims and operations teams. Whether licensed or ready to obtain a license, you will play a critical role in navigating the personal lines insurance space, delivering sound underwriting decisions that support our growth and customer satisfaction.

A day in the life could include: 

• Achieving Performance Goals: Consistently meet or exceed set KPIs and stretch goals, maintaining a sharp focus on results and driving continuous improvement.

• Delivering High-Quality Work: Ensure a minimum quality score of 88%, aligning with performance standards to contribute to the team’s overall success.

• Supporting Underwriting Decisions: Collaborate with underwriters by reviewing submissions, endorsements, inspections, claims, and renewals, ensuring smooth processing within your level of authority.

• Identifying Risk and Taking Action: Spot key underwriting risk factors and quickly escalate issues when necessary to ensure the best possible outcomes.

• Handling Key Processes: Manage correspondence, verify data, and handle policy changes efficiently, making sure both customer-facing and internal processes run smoothly.

• Enhancing Efficiency: Play a pivotal role in improving manual processes while guiding Operations agents to the right resources to ensure streamlined workflows.

• Staying Adaptable: As the company grows, you’ll adapt to new tasks and responsibilities driven by procedural updates, automation, and product launches, always staying ready for the next challenge.

I’ve got the skills… but do I have the necessary ones?

• Availability to work 8am - 5pm PT.

• At least one year of prior experience in the insurance industry.

• Exceptional customer service skills and a natural ability to build rapport with both internal and external clients.

• A clear and empathetic communicator who can effectively connect with others, ensuring a positive customer experience.

• Motivated to constantly improve performance and efficiency in a fast-paced environment.

• Strong critical thinking and problem-solving abilities.

• Deep understanding of customer behavior and its impact on loss potential.

• Ability to thrive in a rapidly changing environment with minimal structure, easily adapting to new challenges.

• Skilled at multitasking, with the ability to switch between tasks quickly based on team priorities.

• Proficient in Google Suite and comfortable using multiple tools and windows simultaneously to get the job done.

Bonus Points:

• Ability to communicate fluently in Spanish

Oh, and don’t worry, we’ve got you covered! 

• Medical, dental and vision insurance

• 16 days of PTO, plus company-observed holidays and two floating holidays

• Remote work

• Generous equity package

• 401K with company match

• Parental leave

• Continuing education and professional development

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, MN, 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.

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.