Underwriter, Personal Lines

Underwriting St Petersburg, FL


Kin Insurance is on a mission to change home insurance from what it could be to what it should be. We’re proud to offer affordable insurance coverage in areas most impacted by climate change, like Florida, California and Louisiana, that pay more for insurance than anywhere else in America.

We are also proud to be recognized as Built In’s 2021 Best Midsize Companies to Work For in Chicago and Forbes 2021 Best Startup Employers in America. We are growing super fast, and we need forward-thinking, inspired game-changers like you to help lead the way.

So, what’s the role?


We are looking for an experienced Underwriter within the Property and Casualty space to join our small but growing team. Since we tackle insurance differently, we are looking for this individual to bring in their expertise and knowledge to the team but to help us continue to find more effective and efficient ways to get the job done.

You’ll work closely with our insurance product team as well as our operations team to create and enforce underwriting guidelines and ensure all needed teams have the necessary information to do their job well. You may find yourself assisting with updating and training on underwriting guidelines, working with leadership to lend your expertise to business decisions, or reviewing quotes and policies to make sure they meet our standards.

A day in the life could include: 

  • Review submissions of customer’s information to ensure underwriting adherence and system accuracy. Our system does a good job of gathering all the required information for a review and is able to underwrite many customers automatically but at times we’ll need your expertise
  • Offer assistance to Agents in real time via messaging to handle cases that require a more in depth look
  • Review inspections in a timely manner and identify all hazards with recommendations on how to correct the adverse conditions
  • Review renewal business to ensure standards make the renewal process seamless to the client
  • Dig into the data, create new reports and analyses in order to find opportunities to improve the logic of our automated system
  • Find and implement process improvements to make our underwriting and inspections more automated and efficient
  • Creating or update underwriting documents and templates to maintain standard underwriting protocol
  • Communicate underwriting decisions with agents, and help continue to build the collective insurance knowledge base
  • Collaborate with the insurance team to develop new ways to evaluate risk and identify ways to improve customer workflows and automation

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

  • 3 years + Personal Lines work experience in underwriting or operations
  • Excellent interpersonal skills and critical thinking
  • Analytical minded and data-driven
  • Strong communication and persuasion skills
  • Clear and concise communication evidencing logical thinking - you’re comfortable being challenged and engaging in professional debate
  • Understanding carrier guidelines and managing underwriting relationships from an agency perspective

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

  • Medical, Dental and Vision Insurance (including 100% employer-paid plans)
  • Remote Work (due to Covid-19) and flexible work hours 
  • Flexible PTO policy 
  • Very generous equity options and 401K
  • Parental Leave
  • Continuing education and professional development 
  • Disability and Life Insurance 
  • Onsite gym membership - when we return to the office (Chicago office only) 
  • The excitement of joining a high-growth Insurtech company and seeing your work make an impact


About Kin:


In an industry that hasn't budged in more than 100 years, our technology transforms the user experience, cuts inefficiencies that waste billions of consumer dollars, and customizes coverage homeowners want. We believe insurance was always meant to be a digital product – we’re making that a reality. 

Our approach to the industry makes us unique, and the people at Kin help us excel. We’re a team of problem solvers, collaborators, builders, and dreamers who are passionate about creating positive change in the lives of our customers and in our industry. Kin is more than just our name – it’s how we treat each other. That’s one of the many reasons we’ve been recognized as a great place to work by Built In, Forbes, and Fast Company.

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.