Capell & Associates Inc.
Insurance Agency
Simplified Insurance Coverage for Retail & Service Businesses
Serving Suffolk County, Nassau County & NYC Locations
Business Owners Policy (BOP) Insurance for Long Island Businesses
Capell & Associates Inc. provides BOP insurance for Long Island businesses, with a primary focus on Suffolk County, extended service throughout Nassau County, and options for New York City locations. Our advisors structure policies to satisfy landlord requirements, protect daily operations, and support business continuity after a loss.
What Is a Business Owners Policy (BOP)?
A Business Owners Policy bundles multiple core business coverages into a single policy, often at a lower cost than purchasing each coverage separately. It is best suited for small to mid-sized businesses with physical locations, equipment, inventory, and regular customer interaction.
A properly designed BOP may include protection for:
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Customer slip-and-fall and premises liability claims
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Business personal property, inventory, and equipment
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Loss of income due to a covered interruption
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Lease, lender, and vendor insurance requirements