Why fitness and recreational sports centers are a Coterie focus

Fitness and Recreational Sports Centers ranks #23 on Coterie’s Top 100 classes list (December 2025). That makes this class one of the core types of business Coterie is built to quote.

Common risks

For this class, the usual claims include equipment injuries, locker room slips and class participants getting hurt. Members and guests are physically active on your premises, so injury claims are the main concern.

General liability and BOP

General liability covers claims of bodily injury and property damage caused by your business, and for most classes it also covers personal and advertising injury. Coterie offers per-occurrence limits from $300K up to $2M, with aggregates at twice that, plus medical payments and damage to rented premises.

A BOP protects equipment and furnishings and adds business income. A business owner’s policy combines GL with property and business income coverage in one policy, which is often the simpler choice for owners who lease or own a space.

What to know before you quote

Trainers and instructors may also fit Coterie’s professional liability where it’s offered; we’ll confirm your class and state. Coterie accepts businesses with up to $10M in revenue and 50 employees, one location per policy, limited loss history and no prior cancellations. Home-based and newer businesses are welcome.

Why owners like it

Quotes come back in minutes, certificates can be issued on demand, and there’s an actual person on the other end of the phone. It also comes with Manage My Risk, Coterie’s free set of risk assessments, safety guides and compliance checklists.

All coverage is subject to underwriting and availability.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Georgia fitness and recreational sports centers.