We Serve All of New Jersey and New York — With Local Roots in Bergen County

Independent insurance coverage across NJ and NY, from an agency that knows your community, not just your zip code.

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Statewide Reach. Neighborhood Knowledge.

Whether you're in Bergen County or across the river in New York, ACL Agency LLC has you covered. We've been serving homeowners, renters, and business owners throughout New Jersey and New York since 2005 — writing personal and commercial property and casualty coverage with access to multiple carriers and no single-carrier conflict of interest.


Our office is located at 470 Broad Ave, Suite 3, in Ridgefield, NJ, and we work with clients across the full NJ and NY metro. If you've been searching for an insurance agency near you in NJ, chances are we serve your area.


We also offer Korean-English bilingual service for residents and business owners throughout the Fort Lee, Ridgefield, and Palisades Park corridor. If you or someone in your household is more comfortable speaking Korean, we're ready to help in the language that works best for you.

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Find Your Location

Explore coverage options and local information for your area:

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Ridgefield, NJ

Your home is your largest asset. We help you find coverage that accounts for your property's actual replacement cost, not just its market value — including structures, contents, and liability.

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Fort Lee, NJ

A primary service area for both personal and commercial lines, including Korean-English bilingual service for the local Korean-American community.

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Hackensack, NJ

Bergen County's county seat. We work with Hackensack homeowners and small business owners across personal and commercial lines.

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Jersey City, NJ

Serving Jersey City residents and businesses with the same independent, multi-carrier approach that covers the rest of the NJ metro.

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New York, NY

Licensed in New York as well as New Jersey, we write personal and commercial P&C coverage for clients across the state line.

Let's Talk

Not Sure If We Cover Your Area? We Probably Do.

ACL Agency is licensed to write coverage across all of New Jersey and New York. If your town isn't listed above, reach out — we're likely able to help. A free quote takes just a few minutes, and there's no obligation.