KEY STAFF MEMBERS

Virginia Hart has been an insurance agent for over 25 years, with the last 20 years dedicated to specializing in insurance for all aspects of assisted reproduction. As the founder and CEO of ART Risk Financial and Insurance Solutions, Inc., Virginia remains at the forefront of insurance issues, leveraging her expertise to collaborate with industry professionals and insurance carriers. Her efforts are aimed at developing innovative policies that ensure the protection of all parties involved in a surrogacy journey.

Virginia focuses on fostering partnerships with industry leaders and conducting extensive research to identify the best coverage options available for surrogacy journeys. She is instrumental in creating policies tailored to address the complexities of assisted reproduction, providing solutions through commercial insurance, specialty products, and financial case management.

Recognized as an industry leader due to her extensive knowledge and experience in the Assisted Reproductive Technology (ART) field, Virginia is a sought-after speaker at prestigious events such as the ABA (American Bar Association) Family Law section conferences, the Academy of Adoption and ART Association (AAAA) yearly conferences, and SEEDS Brown Bag Series events. She has also contributed a published article to the ABA Section of Family Law’s “Family Advocate” magazine.

Virginia’s passion for helping individuals and families navigate the financial aspects of their ART journeys continues to drive the ART Risk mission. She states, “Helping to find financial solutions for people wanting to create a family in the ART community is one of my greatest joys. Seeing their dreams come true inspires us to innovate and provide the support they need to achieve their goals.”

Sarah Paige has dedicated her career to making family-building journeys safer, more transparent, and more accessible for everyone. Since entering the Assisted Reproductive Technology (ART) insurance field in 2010, she has become a leading voice in advancing equity, transparency, and protection for Intended Parents, Surrogates, and industry professionals.

As Chief Executive Officer of ART Risk Financial and Insurance Solutions, Inc., Sarah pairs deep industry knowledge with a commitment to advocacy, shaping insurance solutions that address the complex needs of the ART community. National organizations, including the American Bar Association Section of Family Law, the Society for Ethics in Egg Donation and Surrogacy, and leading surrogacy podcasts, have sought her expertise.

In 2019, Sarah served as an expert witness for Nevada Assembly Bill AB472 alongside bill author Kimberly Surratt, helping secure inclusive insurance language for surrogacy coverage. She is a founder and sitting Board President of the Insurance Access and Equity Alliance (IAEA), an Officer for SEEDS (Society for Ethics in Egg Donation and Surrogacy), an insurance liaison for the Above the Law blog, and a contributing author for various newsletters and blogs.

Through her work, Sarah collaborates with legislators, attorneys, ART professionals, and advocacy groups to remove barriers, eliminate discriminatory practices, and ensure that every family-building journey is supported with clarity, compassion, and the highest standard of care.

As CEO, Sarah leads with the CARE principles — Committed, Authentic, Resourceful, and Effective — ensuring that every decision and partnership reflects the company’s dedication to serving the global ART community. She is profoundly grateful to the exceptional ART Risk team, whose expertise, compassion, and shared purpose make it possible to fulfill this mission every day.

Tom Davis is a seasoned insurance and operations executive with over two decades of leadership experience across the Property & Casualty insurance and mortgage industries. With comprehensive expertise in the insurance field, regulatory compliance, and operational transformation, Tom has built a reputation for driving scalable growth, operational excellence, and cross-functional team performance across national organizations.

Tom has a proven track record of managing complex, multi-state operations, optimizing resource deployment, and serving as a subject matter expert to executive leadership and clients.

Tom also brings entrepreneurial experience as the owner of an independent Insurance Agency, and financial leadership as a Mortgage Loan Originator and CFO at Pine Creek Financial Group. His early career included progressive leadership roles at Nationwide and Progressive Insurance.

A data-driven strategist with a collaborative leadership style, Tom excels in aligning people, processes, and technology to achieve organizational goals. He holds a Master of Science in Accountancy from Keller Graduate School of Management and dual Bachelor of Science degrees in Business Administration and Accounting from North Carolina Wesleyan College, both earned with highest honors.

Tom is a father of three and grandfather of four. While new to the Assisted Reproductive community, Tom and his family have extensive personal experience with NICU babies, and family members struggles to achieve pregnancy. Outside of ART Risk, Tom loves to spend time with his children and grandchildren, fishing, riding motorcycles, lifelong learning and eating/pursuing amazing food. 

Candace Greer began her career at ART Risk in 2014 and has been a licensed agent since 2016. As Director of Agent Operations, she oversees all ART Risk licensed agents as well as the Policy Validations department. Her clients (and team members) often describe her as tremendously dedicated because she continually delivers timely communication and excellent service to her agencies and Intended Parents while providing accurate information to her clients about the necessary policies needed for each unique journey. Candace attends yearly conferences and monthly webinars (including SEEDS, ABA, and ASRM) to advance her knowledge about the ART industry and learn new information about the insurance options for her clients. Because of her experience, extensive knowledge, and immeasurable commitment and drive, Candace is highly regarded by the agencies and Intended Parents that she assists.

"I am blessed with a family of my own and being able to be a small part in helping others have a family is amazing."

Candace loves camping with her family and traveling anywhere while making new memories. She is Mom to both a grown son and daughter; and she enjoys watching them in their respective activities and spending time together as a family.

In 2007, Jesse Montano began his career specializing in insurance for the ART community and began working at ART Risk in 2011. Bilingual in Spanish and English, Jesse has served in many roles on the ART Risk team because of his passion for his work, and recently transitioned to Director of Client Operations.  With his contagious energy and commitment to serve our ART Risk clients with the utmost care, while providing knowledge, and striving to continually improve our services, Jesse seeks to build relationships with clients through his genuine nature and enthusiasm for his work in the ART community. 

“It gives me great joy to assist Intended Parents to fulfill their dreams of creating a family. I personally have my own dream of creating a family through surrogacy or adoption, so I can really empathize with each individual journey and the overall process. I have gotten to know many industry professionals on a personal level and can honestly say, they are my friends.  I care greatly for the work we are ALL doing collectively, to help people see their dreams of building families come truie.”

Jesse is the middle child of 5 and was raised by a single Mom, who he says instilled manners, faith, and most importantly, a strong work ethic. He is big on family co-existing with one another and creating meaningful memories.  Jesse loves traveling (including to all the ART industry conferences throughout the US) and is a true warrior, as he is very open about his cancer journey, and thankfully, is currently in remission.