David Murphy
Account Executive
[email protected]
951-462-2405
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.
News & Insights
- Published on: October 16, 2025Education
Navigating Premises Liability and Seasonal Staffing Risks in Retail
As the retail landscape evolves, the seasonal surge in customer traffic, especially during holidays and promotional events, poses unique challenges and responsibilities for retailers. Alongside the benefits of increased sales, this busy period brings heightened premises liability and staffing risks. Understanding these factors is crucial for business owners, especially those who may be new to the insurance landscape or operating their first store. Let’s explore how premises liability impacts retail operations and the specific risks associated with seasonal staffing....Read More - Published on: October 14, 2025Education
Loss Control Visits: What to Expect and How to Prepare
Navigating the world of insurance can often feel daunting, especially for those new to the process. One essential component of risk management that every insurance novice should be aware of is the loss control visit. This process is a cornerstone of proactive risk reduction strategies employed by many insurance companies. Understanding what to expect during a loss control visit and how to prepare can greatly enhance the experience and outcomes for your business....Read More - Published on: October 13, 2025Education
Business Owner’s Policy (BOP) vs. Standalone Policies: Making the Right Choice for Your Business
Navigating the world of business insurance can be daunting, especially for new entrepreneurs or small business owners. One critical decision they face is whether to opt for a Business Owner’s Policy (BOP) or to invest in standalone policies. Understanding the differences and advantages of each can not only safeguard your enterprise but also ensure that your resources are utilized effectively....Read More - Published on: October 10, 2025Education
Commercial Auto Risk Management for HVAC Companies
In the dynamic world of HVAC (Heating, Ventilation, and Air Conditioning) businesses, effective risk management is essential, especially regarding commercial auto operations. These vehicles are vital to daily business activities, from transporting equipment to responding to service calls promptly. This blog will delve into the importance of commercial auto risk management specifically tailored for HVAC companies, examining strategies to safeguard your operations, reduce risk exposures, and enhance overall safety....Read More - Published on: October 8, 2025Education
When to Increase Liability Limits on Auto Insurance
Understanding auto insurance can be daunting, especially for those new to the world of insurance. One critical aspect that often requires attention is liability limits. Knowing when to increase these limits is essential for maintaining adequate financial protection while driving. In this article, we’ll explore the importance of liability limits on auto insurance, the circumstances that necessitate their increase, and how higher limits can better protect you in various scenarios....Read More - Published on: October 6, 2025Education
Vendor Risk Assessment Checklist for SMBs
In today’s interconnected business environment, small and medium-sized businesses (SMBs) increasingly rely on third-party vendors to enhance their operations. While outsourcing can lead to greater efficiency and competitiveness, it also introduces potential risks that could jeopardize a company’s security and reputation. Implementing a robust vendor risk assessment process is essential for safeguarding assets, ensuring compliance, and maintaining trust with customers....Read More - Published on: October 4, 2025Education
COI Request Template and Best Practices: A Guide for Insurance Novices
In today's business climate, understanding insurance requirements is more critical than ever. One vital aspect is the Certificate of Insurance (COI), a document proving that a party carries adequate insurance coverage. COIs can protect your business from unforeseen claims and liabilities. As a potential client or someone new to insurance, knowing how to request and manage COIs is essential for safeguarding your interests. This article provides an easy-to-follow COI request template, along with best practices for obtaining and managing these crucial documents....Read More - Published on: October 3, 2025Education
Participant Waivers and Liability: A Guide for Fitness Studios and Gyms
Fitness studios and gyms have become increasingly popular venues for health enthusiasts, but with great benefits come inherent risks. Every time a client steps into a fitness facility, there's a chance of potential injury. That's where participant waivers come into play. Understanding waivers and their implications is crucial for both fitness facilities and their clients. This article will guide you through the essentials of waivers and liability, shedding light on their importance and best practices....Read More
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