Meet Steve Melton

Based out of Cornelius and the surrounding area, Steve focuses on risk management and commercial insurance for a wide range of risk classes.

About Steve

I grew up in McLean Va., the son of a “sign painter” from Lenoir, NC who served in World War II, migrated to California and then back east to start a business- he worked in Washington, DC for 40 years. 

I was fortunate to be able to live a nice suburban life and attend college.  Baseball was my avocation and even though I was offered a scholarship at Catholic University I attended The University of Richmond (100 miles south) where I played for three seasons. I ran into the rigors of business school, so I decided to choose school over ball!  I graduated from the Business School with a BSBA with Marketing Major and was a Philp Morris Lyon’s Scholar.  After school I emigrated to Charlotte NC to work for Travelers Insurance Employee Benefits Department.  I then gained invaluable experience with Paul Revere’s Disability Division, Lincoln National’s Employee Benefit Division, US Healthcare HMO programs and BCBSNC large accounts Alternate Funding Division.

After many years on the health side, I decided to change insurance paths by diving into the commercial property, casualty and workers compensation with Universal Underwriters, a division of Zurich.   Based in Lake Norman area, I was a sales leader for 12 year in their Auto Specialties Division.  Universal offered a niche market specialty in garage policies.

Currently with R3 Risk Management, a division of Central Carolina Insurance for the past three years. I realize that fluid issues that can adversely impact cost could range from a firm’s reputation damage after a data security breach to having proactive Human Resource and fleet safety programs.

Our Clients’ Words

More than just insurance

I am writing to recommend that you consider Steve Melton R3 Risk Management/Central Carolina Insurance, Inc. and the R3 audit process. Mr. Melton has an extensive background in both of these areas.  I believe that if you allow him to evaluate your needs, he will endeavor to match them to the brokerage insurance markets to save your organization money and to affordably fill non-insured gaps.  As a current client, I am very satisfied with his cordial nature and ambitious drive to find the appropriate service to fit your needs exactly which include safety programs, on-site safety inspections, and Human Resources services.

R. Church,
Auto Aftermarket Industry

Consistently Exceeded our Expectations

We’re pleased to consult with R3 Risk Management and Stephen A. Melton, and enthusiastically recommend them for small business insurance solutions.  We’ve worked with this firm for many years; during which time they have consistently exceeded our expectations

J. Keith Walters
Eurowerks Management Corporation

Contact Steve

7 + 2 =

Steve Melton CIC, CLU

Risk Management Professional

Phone: 704-574-2991
Fax: 704-664-2416


Steve is a Risk Management Professional that focuses on businesses needs to manage their exposure and liability for a wide range of concerns.