Legacy Insurance Agency
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Legacy Insurance Agency
We are a full service insurance agency located in Elmwood Park representing all major carriers enabling Legacy Insurance Agency to assess and cover your Personal and Commercial insurance needs. We work with businesses, families and individuals, helping them execute a complete risk management program by recommending insurance solutions to risk exposures where appropriate and necessary.

We offer Homeowners Insurance, Dwelling Fire Insurance or (Landlord Insurance), Auto Insurance, Business Insurance, Umbrella Insurance, Workers Compensation Insurance & Renters Insurance. Assessing your Personal or Commercial insurance needs is a critical step toward mitigating property damage, personal injury costs and associated risks. We will assist you in performing this assessment and recommend the coverage that is most appropriate for your individual or corporate needs.

In this way Legacy Insurance Agency becomes a trusted partner with each client. It's all about relationship management and exceeding your servicing expectations.
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Gene Ret is the Agency Principal/Owner of Legacy Insurance Agency, LLC.
He has been a Licensed Property and Casualty Agent since 2010, with 10 years additional experience providing financial products and services to consumers.
Gene is married to his wife Stacey and the father of 2 children.
Gene is a graduate of Villanova University with a BSBA and has a Masters Degree in Finance from Seton Hall University.
He enjoys golf and coaching youth sports in Cranford, NJ where he resides.
Eugene has been in senior management positions throughout the financial services arena for over 45 years.
There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property.
Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.
If you're legally responsible, or "liable" for damages, Liability coverage helps pay for them.
Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone's medical expenses, personal injuries, and property damage if you're at-fault.
There are several basic types of home insurance that offer different levels of coverage.
Each type of home insurance policy provides coverage for certain perils.
A peril is the particular event that causes the damage or destruction of the home.
Some types of home insurance policies will name the perils specifically, and others will exclude them.
What you need out of home insurance depends on your home and what you want to cover.
Read below to understand what is included across different types of home insurance coverage.
General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but it's also available to many contractors as a stand-alone coverage.
As a contractor or small business owner, you need some form of general liability protection to safeguard your livelihood.
A single accident could result in a lawsuit that you might not be able to handle.
A great way to protect against this is to make sure you have liability coverage that matches your level of exposure.
Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.
Umbrella insurance is a personal excess liability insurance policy that protects you above and beyond the limits on your homeowners or condo insurance, car insurance, watercraft or other personal insurance policies.
Umbrella insurance is designed to give you added liability protection for lawsuits, and claims that rise against you.
It is an inexpensive way to protect your financial future or established assets.
Umbrella insurance is a secondary form of insurance, that requires a primary policy, or an underlying liability policy to first pay out on a claim before umbrella liability coverage becomes effective.
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