Underwriter, Insurance

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most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind.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 ).
• Forbes' America's Best Startup Employers , 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.

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.

• 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

• 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

• 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,…