David Murphy brings over a decade of hands-on insurance experience to the UWIB team, with a sharp focus on helping individuals and business owners make smart, informed decisions about their coverage. Based in San Diego, David’s roots run deep in the community — but his perspective is wide-reaching, shaped by a strong educational foundation from San Diego State University and a career marked by continuous professional development.
Known for his attentive ear and insightful questions, David has a talent for translating complex insurance concepts into clear, actionable options. Whether he’s guiding a first-time homeowner through policy details or helping a business mitigate risk, David’s goal is always the same: to reduce friction, build trust, and deliver value.
Outside of work, David is a proud father, a dedicated community volunteer, and a fierce competitor on the pickleball court. He brings the same energy and commitment to his clients as he does to every aspect of his life.
- Published on: August 2, 2025Education
Risk Management: Why Being Proactive Pays Off in Insurance
In the world of insurance, a proactive mindset is your best friend. This forward-thinking approach is known as loss control—a set of everyday habits that help minimize risks before they turn into costly problems. Think of it as routine maintenance for your life or business.Read More - Published on: August 2, 2025Education
7 Emerging Business Risks in 2025—and the Insurance to Match
The business risk landscape is evolving rapidly—from cybercrime and climate disruptions to AI liability and employment lawsuits. Small and midsize business owners can no longer treat insurance as a checkbox. This guide breaks down seven of the most pressing risks in 2025, what to ask clients or teams, and what coverage options to consider before trouble hits.Read More - Published on: April 30, 2025Opinion
The 2030 Insurance Agency: Where Humans and Machines Build Revenue Together
By 2030, the insurance agency benchmark won’t just measure human output — it will reflect the combined power of people and AI. As automation handles the busywork, the real value of your team will lie in strategic thinking, emotional intelligence, and creative problem-solving.Read More - Published on: April 24, 2025Education
Get Ready: Workers’ Comp Rates Are Likely Going Up Across The Country
Brace yourselves, business owners: workers’ compensation insurance rates are on the rise nationwide. While California is anticipating an 11% increase this fall, similar trends are emerging across the country.Read More - Published on: April 21, 2025Education
Essential Insurance Coverages for Contractors
Contractors face a unique set of risks daily, from job site accidents to property damage. Having the right insurance coverage is crucial to protect your business, employees, and clients. Here's a breakdown of essential insurance types every contractor should consider:Read More - Published on: August 1, 2025Education
What Kind of Insurance Does a Coffee Shop Need?
Owning a coffee shop is like living out a cozy dream—pouring lattes, greeting regulars, and building a community. But behind the scenes, it’s also a real business with real risks. From hot coffee spills to equipment breakdowns, a small mishap could lead to a big financial headache. That’s where insurance comes in! Whether you're just opening your first café or expanding your coffee empire, here’s a breakdown of essential insurance coverages to keep your coffee business brewing safelyRead More - Published on: April 4, 2025Education
Why Accountants Need Insurance (Even If Their Math Is Always Right)
As an accountant, your superpower is keeping financial chaos in check. You're the calm in the tax-season storm, the expert clients rely on when numbers just won’t behave. But even the most precise professionals can hit an unexpected snag. That's where accountants' insurance steps in—to make sure one small misstep doesn't turn into a financial disaster.Read More - Published on: April 3, 2025Education
Medical Office Insurance: The Unsung Hero of Your Healthcare Practice
Running a medical office is like juggling scalpels—it's a delicate balance where one slip can lead to a mess. While your focus is on patient care, it's crucial not to overlook the health of your practice itself. That's where medical office insurance comes into play, acting as the safety net for those unforeseen tumbles.Read More