Liability question

The Cannon Valley Elder Collegium does not have either a formal membership agreement or a liability statement signed by people who participate in our classes. We are a non profit providing educational services to all who meet our eligibility. We speak of "members" as those who are on are mailing list because the have either attended classes or contributed funds. However, we do have a general liability insurance policy which we purchased through State Farm at a nominal fee (<$250/yr)Initially we were motivated to have such a policy when we wanted to schedule a class at a local college -- their lawyers required such a policy for organizations using campus facilities. Subsequently we have thought that this is a good idea to provide some protection for our participants. We would be happy to provide details on our insurance policy for anyone interested.BestBill