As for the insurance, I am surprised that I am apparently the only one to have asked that question over the last eight years. If they have it, that is fine. If they don't, that is fine too. It is a business question, and if I was running a business, whether it be a skeptic's website or a manufacturing company, I would ask the same question of the executive in charge of the company's assets.
If it's fine either way, why are you trying to make such a big deal of it? If you
were running the business, your question might make sense, but to the best of my knowledge, you're
not running the MDC, so, again, why are you asking?
This is a tech forum, more or less. I'm not sure about the inner workings of the JREF, but I spent many years as a member of the Debian project, the oldest, largest, and most successful independent non-profit Linux vendor around. We have technical forums where some of our 800+ volunteer developers discuss issues and answer questions. We also have a business end, a registered 501(c)(3) non-profit with only a handful of people, who make sure that our public servers keep working, and the bandwidth bills get paid.
If you go on the Debian forums and start asking about how the bills get paid, and whether we have adequate insurance, you'll get the same sort of answer you're getting here: you're asking the wrong people on the wrong forum. This is where the techies hang out.
The fact that you
keep asking, and
keep acting as if it were some sort of significant information, despite your
own statement, "If they have it, that is fine. If they don't, that is fine too", starts to look a little odd. Surely you can understand why some people are puzzled by your insistence and persistence on this topic, when you've already admitted that it doesn't matter. To me (a disinterested third party), it makes you sound either strangely confused, or possibly dishonest.
(So far, though, I'm still undecided about those two possibilities.)