Expertise since 2000

Precise coverage
for the Commonwealth.

Dick Watts Insurance provides specialized commercial and personal risk management for Louisville and the state of Kentucky. We represent a wide range of carriers to ensure your assets are protected with clarity and intent.

Contractors at work

Contractors & Trades

Dedicated Protection

Independent contractors face specific liabilities. We specialize in securing policies for plumbers, electricians, landscapers, and construction professionals who require proof of insurance and robust protection for their livelihood.

Core Coverages

General Liability, Completed Operations, Contract Liability, and Workers Compensation.

Specializations

HVAC, Electrical, Plumbing, Carpentry, and Janitorial services.

Commercial Property & Liability

Business Package Policies

For businesses with up to 100 employees, we bundle essential coverages into a single Business Owners Policy (BOP). This approach provides a streamlined management experience and significant cost efficiency.

  • Lessors Risk and Mixed Use Property
  • Long Haul Trucking for Owner Operators
  • Restaurant and Hospitality Liability
  • Excess and Umbrella Liability
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Modern office space

Real Estate & Rehab Projects

Specialized solutions for Louisville's active property market. From house flippers to established landlords, we understand the specific nuances of Builder's Risk and Rental portfolios.

House Flippers

Transition smoothly from Builder's Risk to long-term Rental coverage as your project completes.

Specialty Dwelling

Coverage for non-standard properties, vacant structures, or unique residential assets.

Excess Liability

Beyond the basic limits. Essential for businesses needing additional layers of protection.

Consultation
Personal Lines

Home, Auto, and Life

Our small-town service extends to your family's personal assets. We perform annual renewal reviews to ensure your rates remain competitive and your coverage evolves with your life.

Residential

Comprehensive Home, Flood, and specialty dwelling policies tailored to Kentucky's geography.

Vehicle

Auto, Boat, and Motorcycle coverage with accessible digital ID cards and claims support.

Life & Future

Protection for your family's future through various life insurance structures.

Service Center

Dedicated support for policy changes, certificate requests, and billing inquiries.

Start a conversation.

Whether you are requesting a certificate of insurance or seeking a comprehensive quote, our team is ready to assist.

Immediate Assistance

(502) 245-3625

12200 Shelbyville Rd #112, Louisville, KY 40243

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