[Organizers] levels of liability protection

Hi all, How many levels of liability protection does your group have?  Our group, Queen City Contras (Burlington, Vermont), is considering paying a lawyer for some details on this matter.  Here's what I have gathered so far: There seem to be at least 4 levels of legal protection: -General Liability Insurance. -Forming a corporation, so the corporation is liable, not the individual members. -Officers & Directors Liability Insurance (to protect the officers, directors, etc.) -Workers' Compensation Insurance (to protect against a suite from a "volunteer," who is legally an employee because she/he is compensated by receiving free/reduced admission, etc.). Thanks for you comments. -Brian Appleberry