Lenny - Thanks!
However, since 'insurance' is a business and not a charity I must assume that the WTBTS pays taxes on its insurance business......or would I be wrong?
Does this also mean that each and every publisher is insured by the WTBTS? Can they claim against the WTBTS if they have an accident at the KH or on the way or is the general public insured 'against' any damage done by publishers?