Elder, have you contacted the Society's Legal Department and asked if they would recommend you carry a personal liability insurance policy?
It would be interesting to hear their response. Would they say yes, no, or that is for you to decide.
The Society has been sued and has paid out big settlements. Because of this, they seem to have taken measures to insulate the organization.
Do they consider the elders as independent agents?
If so, they are the ones whose names are signed to documents concerning the handling of the personal affairs of the members of the congregation.
Often in the U.S. if somebody is found not guilty in criminal court, they can be sued in civil court where the burden of proof is much easier to establish. (ie O.J. Simpson)
If a member of the congregation committed suicide, died because of not accepting a form of blood therapy, or experienced any kind of tragedy they can point to being a result of recommendations, counsel, judicial actions of elders, hospital liason committee members, or other independent agents of the Organization, what would happen if a person sued in civil court for something like wrongful death? Would the Organization's legal department defend the elder(s) named in such a suit?
Just curious ... elders, the Society has taken steps to minimize their own liability ... have you thought about your own?