My mother and sister in law filed a claim because huge picture over literature counter fell on their backs. They paid 12,000.
The insurance shows the org has a vested interest in the KH properties. This will help them win if a KH says it wants to sell it's hall. They all belong to the org as they never take their name off the deed now when they loan you money to remodel. It is becoause of the Texas and Florida cong. getting ownership.
They paid everything in those days and the society paid nothing, so that is why they now insure the KH to show vested interest in care and insuring. (side-bar)