What has not been mentioned is the Kingdom Hall Assistance Arrangement (KHAA) which is a yearly amount sent to the Soc to insure the Kingdom Halls.
This means the insurance comes from the Soc and not an insurance company.
Reading the details, the payouts are paltry - £5,000 for the loss of a limb etc. Anyone incapacitated would have to sue the cong in order to get a decent liveable amount.
Would you want to clean or work on a hall knowing that any accident would leave you high and dry?
That's if the Soc pays out at all, as per Juan Viejo2's comment, I've heard stories in the UK where they simply refuse to pay out.
I don't know if now the deeds have been transferred to the Society as well, if that means they get to decide if a KHall should be fixed under the insurance policy, for example in the case of a fire.
It's all very suspect.
Splash.