ACL Agency LLC

Local Insurance, Multiple Carriers, One Agent Who Answers

We serve homeowners, renters, and business owners across Fort Lee, Ridgefield, Hackensack, and the greater NJ/NY metro — in English and Korean. 영어와 한국어로 상담합니다.

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  •   Licensed NJ Producer Since 2005   •   Independent Since 2011   •   English & Korean  •   Personal and Commercial P&C  •   Multiple Carriers, No Conflicts

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You Deserve Coverage That Actually Fits

Not Whatever One Carrier Happens to Offer

Most people don't find out their coverage was wrong until they file a claim. As an independent insurance agency, we shop multiple carriers to find the policy that fits your actual situation — your home, your vehicles, your business, your budget. We work for you, not for any single insurance company.


ACL Agency has served NJ and NY clients since 2005. We specialize in property and casualty insurance only — no life, no health, no divided attention. When you call us, you reach someone who knows your file.

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Personal and Commercial Coverage for NJ and NY

Whether you own a home in Bergen County or run a business in the Hudson County corridor, we have the coverage lines to match your exposure.

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Medicare Plans

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Personal Insurance

Home, auto, renters, umbrella, and identity theft coverage for individuals and families across NJ and NY. We compare rates across carriers and make sure your limits are actually adequate.

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Commercial Insurance

Business owners policies, general liability, commercial auto, cyber liability, contractors insurance, and commercial umbrella for small and mid-size businesses in the NJ/NY metro.

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Why Clients in Fort Lee, Ridgefield, and Hackensack Choose ACL Agency

  • Independent agency with access to multiple carriers — we are never locked into one company's rates or products

  • Licensed NJ producer since 2005; ACL Agency independently owned since 2011

  • Korean-English bilingual service — one of the few agencies in Bergen County serving the Korean-American community in both languages

  • Property and casualty specialists only — focused on the coverage lines that protect homes, vehicles, and businesses

  • Active identity theft coverage options — a coverage gap most local agents don't address

  • Serving clients across Fort Lee, Ridgefield, Hackensack, Jersey City, and statewide NJ and NY

How We Find You the Right Policy

Tell Us What You Need to Cover

Call us, fill out a quote request, or stop by our office at 470 Broad Ave, Suite 3, Ridgefield, NJ. We'll ask the right questions to understand your actual exposure — not just your current premium.

We Shop the Market

We pull quotes from multiple carriers and compare them against your coverage requirements. You see options, not a single take-it-or-leave-it number.

We Explain It in Plain Language

We walk you through what each policy covers, where the gaps are, and what we recommend — in English or Korean, whichever works better for you.

You Choose. We Handle the Rest.

Once you select a policy, we bind coverage and stay available for questions, endorsements, and renewals. You don't start over with a new person every time you call.

Frequently Asked Questions About Working with an Independent Insurance Agency

  • What is an independent insurance agency, and why does it matter?

    An independent agency like ACL is not owned by or contracted exclusively with one insurance carrier. We work with multiple companies, which means we can compare rates and coverage options on your behalf rather than steering you toward whatever one company offers. That independence is what keeps our recommendations objective.

  • Do you serve clients outside of Bergen County?

    Yes. We are licensed in New Jersey and New York and serve clients across both states. Our core service area includes Fort Lee, Ridgefield, and Hackensack, but we regularly work with clients in Jersey City, New York City, and throughout NJ and NY.

  • Do you have a Korean-speaking agent?

    Yes. We provide full bilingual service in English and Korean. For Korean-speaking residents and business owners in the Fort Lee, Palisades Park, and Ridgefield area, we can handle your entire policy — questions, quotes, claims guidance, and renewals — in Korean.

  • What types of insurance do you not offer?

    We specialize in property and casualty insurance only. We do not sell life insurance or health insurance. That focus means the agents you work with know P&C coverage in depth rather than spreading across every product category.

  • How do I get started?

    Call us, submit a quote request through our contact form, or visit our office in Ridgefield. We'll gather the information we need and come back to you with options — no pressure, no obligation.

Let's Talk

Ready to See What the Right Coverage Actually Costs?

Getting a second opinion on your insurance costs nothing. If your current policy has gaps or your premium has crept up at renewal, we can show you what else is available. Reach out today and we'll get started.