Kirk is a Co-Founder and Principal of Valorem Insurance Group.  Kirk has over 30 years of healthcare experience serving in key leadership roles for national carriers and has co-founded several start ups in the healthcare space.  Kirk currently serves on several Boards including CHI St. Luke's Hospital, The Woodlands.  When not working he enjoys playing guitar, sailing and golfing.   Kirk resides in The Woodlands, TX and has been married to his wife Vikki for over twenty years.  Together they have been  blessed with three children.

Steve is Co-Founder and Principal of Valorem Insurance Group. He has over 30 years of experience in the oil & gas industry, in a variety of technical, operational, and managerial leadership roles that spanned three countries and several states. After retiring from full time oil industry work, Steve consulted with a variety of individuals, businesses and non-profits before recently starting Valorem Insurance.  Steve and his wife Natalie enjoy spending time with the families of their two grown children and four grandchildren!