Licensed Underwriting Services Associate

This is a fully remote position, open to applicants in Alabama, +39 more states.

📋 Description

• Perform risk assessments throughout the entire policy lifecycle utilizing Kin's underwriting guidelines.

• Evaluate and adjudicate inspection results, including Coverage A valuations ranging from $1M to $2M and any escalated inspection cases.

• Manage risk files comprehensively from pre-bind to active service and renewal stages.

• Collect necessary customer documentation and address any outstanding items.

• Organize files to enable Underwriting to make coverage decisions without needing rework.

• Address transferred calls and live inquiries regarding inspection outcomes, requirements, and coverage conditions.

• Act as the risk-side liaison to Sales on referred cases.

• Oversee post-bind and renewal underwriting requirements.

• Follow up on incomplete inspections and unresolved conditions.

• Complete the gathering of RBR documentation.

• Handle escalated knockout-question resolutions and manage complex customer communications.

• Accurately process premium-bearing policy actions while ensuring compliance with state and underwriting standards.

• Convey underwriting results, declines, and additional requirements to customers and partner teams.

• Identify trends and process deficiencies that can be transformed into rules to minimize manual reviews.

⛳️ Requirements

• An active Property & Casualty (P&C) or Personal Lines license is required.

• Experience in direct underwriting, underwriting support, or advanced policy servicing in home insurance.

• Solid understanding of property risk reviews, inspections, and pre-bind requirements.

• Good judgment in applying established rules to individual policies.

• Capability to identify cases that fall outside the rules and escalate them as needed.

• Excellent written communication skills for customer-facing and cross-departmental correspondence.

• Proficient in navigating multiple systems.

• Ability to thrive in a fast-paced, evolving environment with limited structure.

• Availability to work Monday–Friday shifts between 7:00 AM and 7:00 PM CST.

• A rotating Saturday shift is required every 4–6 weeks.

• Must be able to reside and work full-time in one of the specified U.S. states.

• Must have authorization to work for any employer in the United States.

• Bonus: Previous experience with Kin's underwriting queues, inspections, or RBR workflows is a plus.

🏝️ Benefits

• Company equity through Restricted Stock Units (RSUs).

• 401(k) plan with company matching up to 4% of eligible earnings.

• Various medical plan options available.

• Dental and vision insurance coverage.

• Company-funded Health Savings Account (HSA) contributions.

• Company-paid life insurance and short-term disability coverage.

• Employee referral bonuses.

• Supplemental insurance options for long-term disability, critical illness, accidents, legal needs, and pet care.

• Access to mental health support and confidential counseling services.

• 11 days of accrued Paid Time Off (PTO) annually.

• 7 days of paid sick leave each year.

• 8 paid holidays recognized by the company.

• Opportunity to earn additional PTO each year.

• Paid parental leave: up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents.

• Opportunities for career mobility and internal advancement.

• Professional development budgets available for certifications, conferences, and training, pending management approval.

• Remote-first work environment.

• Timely updates and feedback following interviews.

• Skills assessment relevant to the position, if applicable.

• Authentic, considerate human interaction throughout the hiring process.