Business Package

business insurance Louisville KY

Commercial Business Insurance in Louisville, KY
Stop Guessing with Your Livelihood. Get a Custom Protection Plan.

Choosing the right commercial insurance plan can be confusing, but it is the most critical decision you will make for your business. You don’t need a “one-size-fits-all” policy; you need a partner who understands the specific risks of doing business in Louisville and throughout Kentucky.

At Dick Watts Insurance, we cut through the confusion. With over 25 years of local experience, we design specialized packages tailored to your property, liability, and casualty needs. Whether you are a solo Contractor in Middletown or a Restaurant Owner on Bardstown Road, we have a program that fits.

We Are More Than Just “Quote Givers”
We take a proactive approach to your protection. We help you identify factors that could increase your premiums or put your assets at risk, offering consulting and risk management options to keep your business safe and your costs down.

The “Stereo System” Analogy: Commercial Package vs. BOP
One of the most common questions we get is: “What is the difference between a Commercial Package Policy (CPP) and a Business Owner’s Policy (BOP)?”

Think of it like buying a home stereo system:

Commercial Package Policy (The Custom Build): This is like buying high-end components individually—the receiver, the speakers, the subwoofer, and the cables. It is fully customizable and ideal for larger businesses or those with unique risks (like manufacturing or high-risk contracting).

Business Owner’s Policy / BOP (The Bundle): This is like a “Stereo-in-a-Box.” It comes pre-packaged with the most common parts you need (General Liability + Property + Business Income) at a discounted rate. This is often the perfect, cost-effective solution for small to medium-sized businesses.

Not sure which one you need? That is why we are here. We will review your operations and recommend the structure that saves you money without leaving gaps.

Industries We Insure
We don’t just sell policies; we protect specific trades. We have specialized markets for:

Construction & Trades
General Contractors & Handymen

Electricians & Plumbers

Painters & Drywallers

Equipment Floater (Tools & Equipment coverage)

Property & Real Estate
Commercial Building Property

Apartment & Condominium Owners

Property Managers

Self-Storage & Store & Lock Centers

Vacant Land & Buildings

Hospitality & Retail
Restaurants, Bars & Taverns

Retail Stores & Wholesalers

Professional Offices

Specialized Liability
Church Insurance

Directors & Officers (D&O)

Professional Liability (E&O)

Employment Practices Liability (EPLI)

Workers Compensation

Commercial Umbrella / Excess Liability

Ready to Upgrade Your Representation?
Don’t settle for a generic policy from a 1-800 number. Get a local agent who fights for your business.

Call Dick Watts Insurance today at (502) 245-3625 or fill out our free online quote form to get started.

Do you need a better Business Insurance Package?

Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in Louisville area and throughout the state of Kentucky.

At Dick Watts Insurance, we can design a specialized package according to your property, liability, and casualty needs.

We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today or fill out one of our free online quote forms.

Commercial Package policy vs. Business Owners Policy (BOP)

Think of a Commercial Package Policy as a stereo system where you buy each component individually. So you would buy the receiver, speakers, remote, and every other part and accessory separate from each other.

In contrast, a BOP policy is much like a stereo-in-a-box. All of the pieces you need come pre-packaged.

Business Insurance Products in Louisville

  • Business Owners Packages (BOP)
  • Commercial Auto
  • Business Personal Property
  • Business Umbrella Policies
  • Church Insurance
  • Restaurants
  • Errors and Omissions
  • Equipment Floater
  • Risk Management
  • General Liability
  • Contractors
  • Retail Stores
  • Plumbers
  • Professional Offices
  • Property Managers & Owners
  • Electricians
  • Workers Compensation
  • Commercial Building Property
  • Apartment Owners
  • Self Storage
  • Condominium Owners
  • Store & Lock Centers
  • Retail Stores
  • EPLI – Employment Practices Liability Insurance
  • Professional Liability Insurance
  • Directors & Officers
  • Landscapers
  • Cyber Liability
  • Pollution Liability
  • Painters
  • Liquor Liability
  • Medical Professional
  • Service & Repair Insurance
  • General Repair Shops
  • Garage Keepers
  • Auto Body Shops
  • Crime
  • Inland Marine
  • Builders Risk

How to get started with your Business Insurance Comparison

No two businesses are the same, so it’s important to speak to a qualified Business Insurance professional like us, who can sift through your various options. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations.

To get started, call our office or click over to our Quotes page to get started.

Either way, we’ll make the process easy!