Underwriting Technician

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?

Evaluate and review applications for insurance coverage and assess the risk associated with providing coverage within the assigned level of authority and under the guidance of assigned underwriter(s) and region. Ensure profitability and growth by reviewing new business, inspections, and renewals. They should be licensed or can obtain a license and understand the personal lines insurance space, emphasizing underwriting and risk selection.  This position will provide support to operations and claims.  

A day in the life could include: 

• Consistently meet set KPIs and  assigned stretch KPIs 

• Maintain a minimum quality score of 88% 

• Assists underwriters with reviewing submissions, endorsements, inspection, claims reviews, and renewal reviews within the assigned level of authority 

• Identifying fundamental underwriting risk issues

• Appropriately escalating tasks outside of the level of authority

• Assisting in general handling of correspondence and other file-related information

• Data verification and manual process improvement

• Processing of policy changes or updates, both customer & non-customer-facing

• Directing and educating Operation agents toward resources

• Additional tasks and responsibilities may change depending on company procedure updates, automation, and new product launches.

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

• At least 1-year prior insurance experience 

• 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

• Critical thinking and problem-solving skills

• Has a high understanding of how customer behavior impacts the propensity for loss

• Ability to work in a fast-paced and ever-changing environment with limited structure

• The ability to context switch seamlessly between tasks is a priority, as the team needs to dictate 

• Proficient in Google Suite or similar tools and capable of navigating multiple tools and windows at the same time

Bonus Points:

• A bilingual Spanish speaker is a plus but optional.

• Preferred prior personal lines underwriting experience

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.