Independent. Experienced. Rooted in This Community.

ACL Agency LLC is a property and casualty insurance agency in Ridgefield, NJ — independently owned, bilingual in English and Korean, and focused entirely on getting clients the right coverage, not the most convenient sale.

ACL Agency was founded by Sang Kim, a licensed New Jersey insurance producer since 2005. After more than a decade building experience in the P&C market, Sang opened ACL Agency LLC in 2011 as an independently owned practice — no corporate parent, no quota to fill, no carrier telling him what to recommend.


That independence is the foundation of how we work. We represent our clients, not any single insurance company. When we shop your coverage, we compare options across multiple carriers and recommend what fits your situation — not what moves inventory.


We specialize exclusively in property and casualty insurance, covering personal lines and commercial lines for individuals, families, and business owners across New Jersey and New York. No life insurance. No health products. Just focused, experienced P&C coverage.

Licensed Since 2005. Independent Since Day One.

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Bilingual Service in English and Korean

A significant portion of the Bergen County and Fort Lee corridor is home to one of the largest Korean-American communities on the East Coast. We serve that community directly — in English and in Korean — because insurance decisions are too important to get lost in translation.


Whether you prefer to discuss your policy in English or Korean, you will get the same clear, thorough explanation of your options. No approximations. No relying on a family member to interpret. Just a direct conversation with an agent who understands both the language and the local market.


We serve clients throughout the Fort Lee, Palisades Park, and Ridgefield corridor, and across Bergen County and the greater NJ/NY metro area.

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Our personal lines clients include homeowners, renters, drivers, and families throughout NJ and NY who want coverage they can actually count on. Our commercial clients range from small business owners and contractors in Bergen County to businesses across the metro area with more complex liability and cyber exposure.


We work with clients who are buying insurance for the first time and clients who have been burned by a policy that didn't perform when they needed it. In both cases, our job is the same: understand your situation, explain your options clearly, and place coverage that holds up.

What We Cover — and Who We Cover It For

20 Years in NJ Property and Casualty — No Shortcuts

  • Licensed New Jersey P&C producer since 2005

  • ACL Agency LLC independently owned and operated since 2011

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

  • Access to multiple carriers; no single-carrier conflict of interest

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

  • Serving statewide NJ and NY, rooted in Bergen County and the Fort Lee corridor

  • Office located at 470 Broad Ave, Suite 3, Ridgefield, NJ
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Frequently Asked Questions About ACL Agency

  • Who owns ACL Agency insurance in Ridgefield, NJ?

    ACL Agency LLC is owned and operated by Sang Kim, a licensed New Jersey insurance producer since 2005. Sang opened ACL Agency as an independent practice in 2011 and has run it as a locally owned, single-focus P&C agency ever since.

  • What does it mean that you're an independent agency?

    It means we are not employed by or contracted exclusively to any single insurance carrier. We work with multiple carriers and shop your coverage across them to find the option that fits your needs. Our obligation is to you, not to a company's sales targets.

  • Do you offer insurance services in Korean?

    Yes. Sang Kim is fluent in both English and Korean and conducts client consultations in either language. We serve a large Korean-speaking client base throughout Fort Lee, Palisades Park, Ridgefield, and the surrounding Bergen County area.

  • What types of insurance does ACL Agency specialize in?

    We specialize exclusively in property and casualty insurance. On the personal side, that includes home, auto, renters, umbrella, and identity theft coverage. On the commercial side, we cover business owners policies, general liability, commercial auto, commercial property, cyber liability, contractors insurance, and commercial umbrella.

  • What areas do you serve?

    Our office is in Ridgefield, NJ, and we serve clients throughout Bergen County, the Fort Lee and Palisades Park corridor, Hackensack, Jersey City, and statewide across New Jersey and New York.

Let's Talk

Ready to Work With an Agent Who Works for You?

We have been placing property and casualty coverage for NJ and NY clients for 20 years. If you want a straightforward conversation about your options — in English or Korean — we are ready when you are.