Summit Insurance Group

Here at Summit Insurance Group our goal is to provide you with fair policies, reliable advice, and a sense of security that will help your family live well and thrive!

Meet the Team

Steve Terrell

Owner/Principle Agent

I grew up in Frankfort, Kentucky. I was in the Kentucky National Guard for seventeen years and I am a retired Lineman. I have been a licensed agent for four years; we specialize in custom fitting coverages for everyone, to fit their needs. I love helping people by getting them excellent coverage at a better price. I really enjoy it when I see someone’s face of relief, just knowing that now that they are with Summit Insurance Group that they finally have peace of mind, knowing that their assets are protected.

In my time away from work, I enjoy spending time with my family. I enjoy spending time at the lake, playing golf, or being with friends. I also volunteer at Good Shepard school.


Steve Cupolo


I grew up in Lexington, Kentucky, and went to Lexington Catholic and Henry Clay High School. After high school, I served this nation in the US Army. I am an active member of The Knights of Columbus. I have four years of experience in the insurance industry. I enjoy knowing I can protect families from major losses. The hardest thing about my job is seeing people at the worst time but the greatest time of my job is removing that pain from their family and rebuilding their lives.

In my time away from work, I enjoy spending time with my kids and watching them tackle life by doing the right things. I love watching my boys play sports or driving backcountry roads, exploring the country of our wonderful state of Kentucky. One of my guilty pleasures is working major storms with FEMA and EDS – nothing brings me more happiness than to help strangers in their time of need.


Cameron Terrell


I grew up in Frankfort and went to high school in Franklin County. I am currently studying risk management at Eastern Kentucky University and I am excited about starting this new field. I look forward to helping a lot of people find the coverage that they need! Outside of the office, I also do landscaping and I have a small firewood business.


Melissa M. Howard

Client Services Manager

I was born and raised right here in Lexington, Kentucky so I speak horse and Bourbon fluently! I’m a General at heart even though Tates Creek inherited most of my friends from Southern Middle.

My experience in the insurance industry began in my last position as a first responder for CRDN. I was first on the scene from my company after a tragedy, fire, or flood loss, to help the insured get back to their “normal.” I worked hand-in-hand with adjusters to make sure it was as smooth a process as possible. I met homeowners at a devastating time and helped them through the entire rebuild of their property.

In my position now, I am most excited about helping people, in any fashion. I love fixing problems before they even happen. If a circumstance goes sideways, I enjoy working on it, almost like a puzzle, to make sure everyone involved is happy and at ease.

I get my love tank full by feeding my family and friends. I am at my most happy when throwing a BBQ in my backyard, kids playing in the pool, and dominating at cornhole.

Most people are surprised that at my age I still throw on some quads and go roller-skating. I would argue it is the best exercise out there. When I am not at work you can probably find me in my backyard next to the firepit with my love and our fur babies.

I am the current Charity Chair on the board of the Bluegrass Claims Association. Every month I pick a new charity for our association to raise money for.



(859) 479-1234

220 Lexington Green Circle Suite #130 | Lexington, KY 40503