Terms & Conditions
Effective Date: March 1, 2026
Welcome to the website of Gernt Insurance Group (“Company,” “we,” “our,” or “us”).
By accessing or using this website, https://gernt.com, you agree to be bound by the following Terms & Conditions. If you do not agree with these terms, please do not use this website.
1. Company Information
Gernt Insurance Group
171 Lantana Road
Crossville, TN 38555
📞 (931) 484-3448
🌐 https://gernt.com
2. Website Use
This website is intended for informational purposes regarding insurance products and services offered by Gernt Insurance Group.
You agree to use this website only for lawful purposes and in a manner that does not:
Violate any applicable laws or regulations
Infringe upon the rights of others
Interfere with the website’s operation
Attempt to gain unauthorized access to systems or data
Unauthorized use of this website may result in legal action.
3. No Insurance Coverage Is Bound Online
Submitting a quote request, contact form, or any information through this website does not:
Bind insurance coverage
Amend an existing policy
Guarantee issuance of a policy
Coverage is not effective until:
An application is approved by the insurance carrier
Required underwriting is completed
Payment is received (if required)
Written confirmation of coverage is issued
If you need immediate coverage, please call our office directly at (931) 484-3448.
4. Accuracy of Information
While we strive to provide accurate and current information, we make no guarantees regarding:
Completeness
Accuracy
Reliability
Availability
Insurance coverage details, policy terms, and availability may vary by carrier and individual underwriting guidelines.
Website content is for general informational purposes only and does not replace reviewing your actual policy documents.
5. Intellectual Property
All content on this website, including but not limited to:
Text
Logos
Graphics
Images
Design elements
is the property of Gernt Insurance Group unless otherwise noted and is protected by copyright and applicable intellectual property laws.
You may not reproduce, distribute, or use website content without written permission.
6. Third-Party Links
This website may contain links to third-party websites for informational purposes.
We are not responsible for:
Content on third-party sites
Privacy practices of external websites
Accuracy of information on external sites
Visiting third-party links is done at your own risk.
7. Electronic Communications
By submitting forms through this website, you consent to receive communications from us via:
Email
Phone
Text message (if number provided)
Standard message and data rates may apply. You may request to opt out of communications at any time by contacting our office.
8. Limitation of Liability
To the fullest extent permitted by law, Gernt Insurance Group shall not be liable for:
Direct, indirect, incidental, or consequential damages
Losses resulting from website use
Website downtime or technical issues
Reliance on website content
All use of this website is at your own risk.
9. Indemnification
You agree to indemnify and hold harmless Gernt Insurance Group from any claims, damages, or expenses arising from your misuse of the website or violation of these Terms.
10. Governing Law
These Terms & Conditions are governed by the laws of the State of Tennessee.
Any disputes arising from website use shall be resolved in the appropriate courts located in Tennessee.
11. Changes to These Terms
We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated effective date.
Continued use of the website constitutes acceptance of updated terms.
12. Contact Information
If you have questions regarding these Terms & Conditions, please contact:
Gernt Insurance Group
171 Lantana Road
Crossville, TN 38555
📞 (931) 484-3448
🌐 https://gernt.com