Our Blog Posts

Protecting Your Craft: Why General Liability Insurance is the Ultimate Tool for TradespeopleWhether you are a general contractor overseeing a massive remodel, a plumber fixing a stubborn leak, or a handyman tackling a weekend punch list, you rely on your tools to get the job done right. But what happens when the unexpected occurs? In […]

Vacant Building Insurance Louisville KY: What Real Estate Investors Need to Know Real estate investors understand that vacancy is often part of the investment process. Properties may sit empty while undergoing renovations, waiting for tenants, or being repositioned for sale. However, what many investors do not realize is that vacant buildings present unique risks that […]

Real Estate Mastermind Groups and Why Smart Investors Protect Their Vacant Commercial Property Real estate investing is rarely a solo endeavor. The most successful investors, agents, brokers, and developers often rely on professional networks to share knowledge, identify opportunities, and solve complex business challenges. One of the most effective ways professionals collaborate in the industry […]

Building in Louisville? Your Complete Guide to Contractors Liability Insurance You work hard to build, repair, and improve our Louisville community. At Dick Watts Insurance, we believe your business deserves to be protected like family. We have shifted our agency’s focus exclusively to commercial coverage, which means our team is fully dedicated to the unique […]

Is Your Tile Installation Business Protected? A Guide to Essential Liability Insurance As a professional tile installer, you take pride in the precision of every grout line and the durability of every subfloor. But in the world of flooring installation, even the most seasoned flooring contractor faces risks that are “beneath the surface”. From accidental […]

The Contractor’s Blueprint: Why “General Liability” is Just the BeginningIf you work in the trades in Louisville—whether you are framing houses in Norton Commons, fixing plumbing in St. Matthews, or rewiring a historic building in Old Louisville—you know that time is money. You also know that one accident can wipe out a year’s worth of […]

The Silent Risk: Why Your Standard Policy Won’t Cover a Vacant PropertyIt’s a common scenario in Louisville: You’ve purchased a “fixer-upper” investment property, or perhaps you are managing an estate after a loved one has passed, and the house is sitting empty while it goes through probate. You assume the existing homeowner’s policy covers it. […]

Serving Up Protection: Why Louisville Restaurants & Bars Need More Than a “Standard” Policy Louisville is a foodie city. From the legendary steakhouses downtown to the hip taco spots in Nulu and the dive bars in Germantown, our hospitality industry is the heartbeat of the local economy. But running a restaurant or bar is not […]

From Fixer-Upper to Cash Flow: The Louisville Investor’s Guide to Insurance If you are investing in the Louisville real estate market—whether you are breathing new life into a Victorian in Old Louisville, flipping a bungalow in Germantown, or rehabbing a rental in Shively—you know that speed and margins are everything. You also know that a […]

If you own a bar, tavern, or restaurant in Louisville, KY, you might be feeling like the industry is under attack. Food costs are up. Labor is scarce. And just when you think you have balanced the books, your insurance renewal arrives with a massive price hike—or worse, a notice of non-renewal. I have been […]