Based on statistical analyses of optical properties measured during a whole year of monthly cruises in a Norwegian fjord, we constructed a two-component model for the absorption and scattering coefficients for visible light. The input to the model is the concentrations of yellow substance and chlorophyll a. Because of the presence of a significant amount of nonalgal particles in coastal water, we assume that the absorption and scattering coefficients approach constant background values when the concentration of chlorophyll a approaches zero. The model works reasonably for a variety of optical conditions encountered throughout the year, with a possible exception during a bloom of the Emiliania huxleyi algae in June.