Protecting the structural integrity of Louisville’s commercial landscape through precise risk assessment and personal service.
We believe insurance is more than a balance sheet obligation; it is the quiet infrastructure that allows a business to build. Since 2000, we have operated with the understanding that every contractor, property owner, and business leader deserves a partner who values thoroughness over volume.
Dick Watts Insurance Inc. was founded on a simple premise: provide small-town service with the market sophistication of a national firm. As a family-owned agency, we don’t answer to shareholders; we answer to the plumbers, landscapers, and house flippers who drive the Kentucky economy.
Our role is one of active comparison. We shop the market on your behalf, auditing coverages across a wide network of carriers to ensure you aren’t just insured, but correctly positioned. This work happens behind the scenes, at no additional cost to our clients—a standard of practice we’ve maintained for over two decades.
Based in Louisville, we serve the entire State of Kentucky. We are active members of the Kentuckiana Real Estate Investors Association and the Home Builders Association of Kentucky, staying deeply integrated into the industries we protect.
From General Liability to Workers Compensation, we specialize in the specific risk profiles of contractors and property lessors.
We represent multiple carriers, allowing us to find the intersection of comprehensive coverage and competitive pricing.
Serving Kentucky businesses since 2000 with a physical presence in Louisville and a commitment to our local builders.
Personalized attention remains the core of our business.
Founder & Specialist
Two decades of navigating the commercial insurance landscape in Kentucky.
12200 Shelbyville Rd #112, Louisville, KY 40243