If you are an ordained minister or counselor you need to have a liability insurance
My question is, how much training, experience, etc. must they have before the insurance company would issue the policy? Insurance companies have high standards for professional liability policies they issue for doctors, lawyers, architects, civil engineers, and so forth. They wouldn't insure a barber who wasn't properly trained and licensed. I doubt that ministers are an exception to that practice.
With the WTBTS having no formal seminaries and limited training for elders, I would be surprised if insurance companies would accept the average elder as a client.