you can probably insure a church in case of civil suit, it probably has a really high premium

AFAIK its some kind of insurance to prevent bankruptcy of finantial doom after having a legal case for child abuse.

Its one of the most fucked up distopian shit ever.

This is for churches, not specific ministers. Businesses are allowed to insure themselves against their employees committing crimes.

But the fact that abuse and molestation in the church is so common that this is something remotely entertained is absurd.