Underwriter - Personal Lines

| Chicago
About Kin:
At Kin, we’re looking for self-motivated thinkers ready to make a change for our customers. We value tackling challenges and breaking down walls – but being chill about it.
Kin Insurance is an insurtech startup that sells affordable, user-friendly homeowners insurance. Unlike many startups that gather users and figure out how to be profitable later, we are selling a product that homeowners need and depend on now. We’re innovating in an industry largely untouched by tech, so we are always thinking big. 
We believe autonomy is key to job satisfaction, which is why we say the person closest to the problem should solve it. It’s also why we offer unlimited vacation time: we trust in our team to manage their own projects and time. If you want the chance to develop your skills, work with some of the best minds in the industry, and see what you’re really capable of, come learn and grow with us.
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 
- Review inspections in a timely manner and identify all hazards with recommendations on how to correct the adverse conditions
- 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?
- Must have previous 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. 
Being in the insurance industry we recognize the importance of comprehensive benefits for you and your family. That’s why we provide a variety of options and coverage levels to customize a plan that’s right for you.
Medical
Dental
Vision
Commuter Benefit Plans
Flexible PTO
Flex Spending Accounts
401k
Disability Insurance
Life Insurance 
Onsite gym
Company provided lunch several times a month
Rotating option of snacks, daily
Sodas, unlimited flavored waters, coffee
These are just some of the benefits and perks we provide! 
Read Full Job Description

Technology we use

  • Engineering
    • JavascriptLanguages
    • RLanguages
    • RubyLanguages
    • SqlLanguages
    • jQueryLibraries
    • Ruby on RailsFrameworks
    • PostgreSQLDatabases
    • RedisDatabases
    • Red ShiftDatabases

Location

Directly off of the Monroe Blue Line stop, our new office sites in the heart of the loop, with quick access to Millennium Park.

An Insider's view of Kin Insurance

What’s the vibe like in the office?

This company has inclusiveness that transcends all demographics. I love getting up every morning and walking through the doors at Kin! There is a vibe on the floor that makes a traditionally stuffy industry feel like we are changing the world!

Howard

Sales Consultant

How do you collaborate with other teams in the company?

Recent collaborations between the sales and customer service team inspired a new team altogether – Kin’s Customer Wellness Team, which I’m glad to be part of. It allows me to blend my sales skills with the CS team’s famous empathy when I check in with customers about their insurance and review their ongoing coverage needs

Deshaun

Sales and Customer Wellness Consultant

How does the company support your career growth?

Working at Kin has allowed me to take more ownership of my work and be empowered to contribute my skills meaningfully. I am encouraged to tackle challenging projects and find my own solutions along with feedback and support my colleagues generously provide.

Ivanna

QA and Scrum Master

How do you make yourself accessible to the rest of the team?

In fast-moving startups, time is limited, but leadership should never be an afterthought. We create a culture where we share ideas at weekly all-hands, daily huddles, and over ping pong. I make myself available by moving my desk often and with formal one-on-ones with my team. The best ideas and vision come from the team collectively, not executives

Jamie

COO

What does your typical day look like?

In customer service, there is no such thing as a typical day! There is always something to learn and new ways to think creatively to assist our customers. Being able to think fast and adapt to situations keeps the job exciting. I enjoy problem solving and creating exceptional customer service experiences for everyone I interact with.

Jean

Customer Service Assistant Manager

What are Kin Insurance Perks + Benefits

Culture
Friends outside of work
Eat lunch together
Daily stand up
Open door policy
Team owned deliverables
Team based strategic planning
Pair programming
Open office floor plan
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Onsite Gym
Retirement & Stock Options Benefits
401(K)
Company Equity
Vacation & Time Off Benefits
Unlimited Vacation Policy
Perks & Discounts
Casual Dress
Commuter Benefits
Stocked Kitchen
Snacks!
Some Meals Provided
Happy Hours
Recreational Clubs
Professional Development Benefits
Lunch and learns
Cross functional training encouraged
Promote from within
Time allotted for learning
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