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.
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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.
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.
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.
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.
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.
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