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Employee Protection & Workforce Coverage

Protecting Your Employees and Your Business

Employees are one of your greatest assets — and one of your greatest exposures if not properly insured

We provide guidance and access to essential employee-related coverages, including:

  • Workers’ Compensation Insurance programs

  • New York State Disability Benefits (DBL)

  • Paid Family Leave (PFL)

  • Optional group benefits (health, dental, vision)

  • Employer liability protection
     

We help ensure your business meets New York requirements while also protecting against employee-related claims and financial exposure.

Business Continuity & Financial Protection Strategies

Planning for the Unexpected

Unexpected events can disrupt operations and create serious financial strain. We help businesses prepare with coverage designed to keep operations running.

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Solutions may include:

  • Business Income (Interruption) Insurance

  • Extra Expense Coverage

  • Equipment Breakdown Insurance

  • Key Person Life Insurance

  • Buy-Sell Agreement Funding

  • Cyber Risk and Data Protection Strategies

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These coverages are essential for maintaining financial stability after a loss.

Comprehensive Business Insurance Solutions

Property & Casualty Insurance Built for New York Businesses

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We provide a full range of commercial insurance solutions designed to protect your business from financial loss and liability exposure.

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Our core coverages include:

  • General Liability Insurance – Protects against bodily injury and property damage claims

  • Workers’ Compensation Insurance – Required in New York for employee injury protection

  • Commercial Property Insurance – Covers buildings, equipment, and business contents

  • Business Owners Policy (BOP) – Combines property and liability into one cost-effective package

  • Commercial Auto Insurance – Covers business-owned vehicles and drivers

  • Umbrella & Excess Liability – Provides additional protection above primary policies

  • Cyber Liability Insurance – Protects against data breaches, ransomware, and cyber risks

  • Employment Practices Liability (EPLI) – Covers claims related to employees and workplace practices

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Each policy is carefully structured based on your operations, payroll, sales, and contractual exposures.

Risk Management & Contract Compliance Support

Built for Contractors and Business Owners in New York
 

One of the biggest gaps in most insurance programs is not the coverage itself — it’s how that coverage is structured relative to contracts and job requirements.
 

At Price, Capell, we help ensure your insurance aligns with real-world obligations.

We assist with:

  • Additional Insured endorsements for contracts and job sites

  • Waiver of Subrogation requirements

  • Primary & Non-Contributory wording

  • Certificate of Insurance (COI) issuance and tracking

  • Coverage reviews for landlord and project requirements

  • NY-specific compliance (DOB, licensing, permits, and municipalities)
     

This level of support is critical for contractors, subcontractors, and service businesses operating in New York.

Industry-Specific Insurance Expertise

Built Around Your Business Operations

We specialize in industries that require tailored insurance solutions and hands-on service, including:

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  • Contractors & Construction Businesses

  • Auto Repair, Body Shops & Dealerships

  • Retail Stores & Convenience Stores

  • Restaurants, Delis & Taverns

  • Property Owners & Landlords

  • Service-Based Businesses

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Each industry presents unique exposures, and we structure coverage accordingly.

Serving Suffolk County, Long Island

We proudly provide business insurance and risk solutions throughout:

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  • Suffolk County (Holtsville, Ronkonkoma, Holbrook, Smithtown, Brookhaven, Medford, Selden)

  • Nassau County

  • New York City (Queens, Brooklyn, Manhattan, Bronx, Staten Island)

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Our local experience allows us to understand the unique insurance requirements across New York industries and municipalities.

Start Your Insurance Quote Today

Start Building a Stronger Insurance Program Today

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If you're looking for more than just a policy — and want a partner who understands your business — we’re here to help.  Call 631-698-7400

Price, Capell & Associates Inc.
Pricecapell.com
 
Call us:
631-698-7400

Business owner filling out an online insurance quote form for fast coverage

A Smarter Approach to Risk, Insurance, and Business Protection | Price, Capell & Associates Inc. 

A Smarter Approach to Risk, Insurance, and Business Protection

Insurance made simple for Suffolk County, NY clients

At Price, Capell & Associates Inc., we go beyond placing insurance policies — we help business owners across Suffolk County and Long Island build complete protection strategies.

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Today’s businesses face a wide range of risks, from lawsuits and property damage to employee injuries, cyber threats, and contractual liability. Simply having insurance is not enough — coverage must be structured correctly to respond when it matters most.

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Our agency works with multiple insurance carriers to design tailored programs that align with your operations, industry requirements, and long-term goals.

The Insurance Products We Offer

We offer these Commercial Insurance Products

  • Business Owners Policy (BOP)

  • Commercial Auto Insurance

  • Commercial Property Insurance

  • Cyber Liability Insurance

  • Employment Practices Liability (EPLI)

  • General Liability Insurance

  • NYS Disability & Paid Family Leave

  • Professional Liability

  • Umbrella & Excess Liability

  • Workers’ Compensation Insurance

Insurance Brokerage Suffolk County

We help clients compare policies from multiple insurance companies to secure the right coverage at competitive rates without being tied to a single carrier.

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