Many years ago here in UK congregations sensibly took out insurance, many thru a company with a brother managing that insurance. Porter Cobb and Hamilton was name and they paid out promptly on claims.
Mill Hill wrote to all congregations saying to cease private insurance and to instead send premiums to WT, as pooling premiums allowed them to buy cheap insurance for all KHs via reinsurance.
in decades I never heard of any claim paid out by WT, famously telling one cong, who were flooded out and carpets and decorations ruined, "open windows and get fans in to dry everything out" nothing paid from this "general" fund which was never used to buy insurance. KH NEEDS Public Liability Insurance in case of accident which may disable someone. Elders, as Trustees, personally financially liable, if they have not made proper provision. An elder could be bankrupt over an insurance claim, by a visitor or even in some cases a neighbouring property. Nowhere have I ever seen any education regarding cong trustees, just follow the org, would the org help them out over any damages claim? I think we know the answer.