Every person who answers the phone or greets you at the door is a licensed insurance agent. Our agency strives to hire the best. Our customer services representatives are top-notch friendly individuals who have the knowledge and expertise to advise you ways to cover yourself properly and most affordably.

Art Gernt, II, CRM, CIC

Art joined the family business in 1990 and became the second-generation owner of the agency in 2006. A graduate of Tennessee Tech University, Art is active in insurance trade organizations and up to date on the ever-changing insurance industry and the products offered to protect his clients. He has been a Certified Insurance Counselor (CIC) since 1995 and he also earned the highly respected Certified Professional Insurance Agent (CPIA) designation in 2002. In addition to Art’s certifications, he is actively involved in the Professional Insurance Agents of Tennessee (PIA) organization where he received the 2006 Professional Agent of the Year Award and currently serves as Past President of its Board of Directors. Art is also actively involved in the community serving on the Board of Directors of the Crossville Noon Rotary Club, as well as many other activities. Art has three children, Ben, Nick & Abbye. Art has the knowledge, qualifications and experience to help you with ALL of your insurance needs!

Tom Gernt, CPIA, CLCS

Tom joined Gernt Insurance in August 2004, graduated from The Pacesetter Academy in Columbus, Ohio in 2005 and continues as an alumnus in the program. Specializing in commercial insurance, Tom can help you assess your commercial insurance requirements and tailor a policy to meet the specific risk management needs of your business. Tom can also help you with your life, health, home and auto insurance needs. Previously in sales and service with a national pest control company, Tom is a 1992 graduate of York Institute in Jamestown, Tennessee. Tom is currently a member of the Crossville Noon Rotary Club, and he is actively involved in the Professional Insurance Agents of Tennessee (PIA) organization. He received his Certified Professional Insurance Agent (CPIA) in early 2008 and just recently completed his Commercial Lines Coverage Specialist (CLCS) designation.  Tom is married to wife, Patricia, and has two children, Emilee & Ryan. Call Tom today to see how he can help you!

Barbara Phillips 


Barbara was born and raised in Crossville, TN. She graduated from Cumberland County High School and began her career in insurance with the Tennessee Farm Bureau. In 1999, Barbara joined Gernt Insurance. Barbara is married to her husband, Rick, and she has three children, Derek, Brett, and Emilee. Barbara has many years experience as a licensed agent helping our clients find the right coverage to fit their needs.