the BoE would be any new plaintiff's first target.
Individuals are never a plaintiff's first target unless they are covered by insurance or top 1%-ish wealthy.
Whether there is organizatonal liability depends on what is involved in the lawsuit. I cant think of what kind of lawsuits would expose elders to liability on a frequent basis. I dont recall ever hearing of an elder exposed to personal liability for a congregation matter; not that it couldn't have happened.
I'm sure the organization is trying/has tried to insulate themselves from garden variety lawsuits like car accidents involving publishers. It's possible the cong could be sued for that kind of thing; although don't the congregations participate in some kind of general insurance fund through the WTS? Not that they would sue for coverage of course, if the WTS didn't cover an incident.