About Us

Why a Local Independent Agent is Your Best Business Partner in Louisville
In the age of digital convenience, it’s tempting to think that buying insurance is as simple as clicking a button on an insurance website. But when you are protecting your livelihood—whether it’s a restaurant on Bardstown Road, a construction company in Middletown, or a vacant investment property—”fast and cheap” can quickly turn into “expensive and regretful.”

At Dick Watts Insurance, we have served the Louisville community for 25 years. With over 40 years of total industry experience, we know that the most valuable policy feature isn’t just the price tag—it’s the advocate standing behind it.

Here is why savvy business owners in Kentucky are switching from “Captive” agents to Local Independent Agents.

1. The Power of Choice (We Work for You, Not the Carrier) serving Kentucky, Indiana, TN, and Ohio
Most people don’t realize there are two types of insurance agents:

Captive Agents: They work for one big company. If that company raises rates or drops your coverage class, the agent’s hands are tied. They can only sell what’s on their specific menu.

Independent Agents (That’s Us): We are not employees of any single insurance carrier. Instead, we have access to a vast network of top-rated providers (like Travelers, Progressive, Safeco, and specialty markets).

When you call Dick Watts Insurance, we don’t try to squeeze you into a single box. We shop the market for you. We compare rates and coverage options from multiple carriers to find the perfect fit for your specific risks—whether that’s a vacant building or a high-traffic restaurant.

2. We Know Louisville (Because We Live Here)
A call center representative in a different time zone doesn’t know that an older building in Old Louisville might have knob-and-tube wiring issues, or that a business in the Ohio River flood plain needs specific elevation certificates.

Local knowledge matters. We understand the specific risks that Kentucky businesses face, from our unpredictable severe weather to local ordinances affecting rental dwellings and contractors. We don’t just sell you a policy; we help you navigate the local landscape.

3. Advocacy When It Matters Most
The true test of insurance isn’t when you buy it; it’s when you have a claim. If you buy a policy online, you are often left navigating a maze of automated phone menus when disaster strikes.

As your local independent agent, we are your advocate. If you have a claim, you call us. We help you understand the process, advocate for your fair treatment, and leverage our relationships with carriers to get things resolved. You aren’t just a policy number to us; you’re a neighbor.

The Dick Watts Difference
40 Years of Experience: We have seen almost every scenario imaginable. We know where the gaps in coverage usually hide.

25 Years Serving Our Community: We have built our reputation on trust and long-term relationships.

Specialized Expertise: We don’t just dabble in insurance; we specialize in complex risks like Lessors Risk, Hotels/Motels, Bars & Taverns, and Vacant Properties.

Ready to upgrade your representation?
Don’t settle for a cookie-cutter policy. Contact Dick Watts Insurance today at (502) 245-3625 or visit us in Louisville. Let us do the shopping for you, so you can get back to business.

Our agency was established with 2 goals in mind. We wanted to provide our customers with low rates while at the same time providing small town service.

We feel we deliver on this promise to our customers. We are family owned and operated since the beginning in 2000. We have more than 25 years of Insurance experience and our insurance companies are some of the most respected in the insurance industry. By negotiating with multiple insurance providers, we are able to secure a very competitive rate for our customers.

Meet Mike

Mike Watts joined our agency in January 2004. Mike has 25 years of experience in the insurance industry. Prior to joining the agency Mike was a Claims Adjuster for another insurance company. Mike is a licensed Property and Casualty Agent in Kentucky and Indiana.

Our Founder – In Memory

Dick Watts founded our company in January 2000 on the guiding principles of Service, Honesty and Integrity. Dick was dedicated to providing professional insurance services to his many loyal customers and clients. Before starting our family-owned company, Dick headed a successful insurance agency for a national company. In addition to his experience in the insurance field, Dick had more than 30 years of Sales and Marketing experience. Dick gave back to the community he loved through volunteer work, as well as being active in his church. His early vision of a customer-focused independent insurance agency has allowed us to continue operating the business today, and we remain focused on Dick’s founding principles of service, honesty, and integrity.

Why do business with Dick Watts Insurance?

Unlike a captive, or direct insurance company who only offers their own proprietary products, our agency is 100% independent of any one company. Many insurance consumers don’t fully understand just how important that really is.

When it comes to something as important as insurance, it’s imperative that you work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines — not just one.

At the end of the day, what separates one agent from another, is their ability to proactively service their policy holders, and their knowledge of the insurance industry, products, and different situations that may present themselves to their clients.

Independent Agent Vs. The Rest

Here is a quick comparison of the differences between an independent agency like us, and the various other types of companies that are out there:

If you’d like to get started with a complimentary quote and/or policy review, we’d be happy to help you any way we can. Simply complete the fields below to get started online in a matter of seconds.

We appreciate the opportunity to help you, and look forward to servicing your insurance needs! Feel free to call us directly if you have more detailed questions.