Three questions to ask about your coverage

1. What could go wrong? For fitness and recreational sports centers, it’s often 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.

2. Do I need GL or a BOP? General liability handles third-party bodily injury, property damage and (for most classes) personal and advertising injury, with per-occurrence limits of $300K, $500K, $1M or $2M. A BOP adds property and business income protection. A BOP protects equipment and furnishings and adds business income.

3. Will my business qualify? Trainers and instructors may also fit Coterie’s professional liability where it’s offered; we’ll confirm your class and state. Coterie generally accepts businesses with up to $10M in revenue and 50 employees, one location per policy, limited losses in the past five years and no prior cancellations. Startups and home-based businesses can qualify too.

Where this class ranks with Coterie

Fitness and Recreational Sports Centers is #23 on Coterie’s Top 100 classes list (December 2025), so it’s one of the business types Coterie writes most often.

What comes with a Coterie policy

You can get an instant quote, bind online and get certificates right away. Policyholders also have free access to Manage My Risk, which includes risk assessments, safety guides and compliance checklists you can use with your team.

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 Alabama fitness and recreational sports centers.