Welcome to the heart of my argument for why these donations are harmful.
My argument combines an actual working knowledge of how this works from having multiple family members with careers in the insurance field, and combines that with the fact that none of the assurances you seemed to be so ready to make are real.
Yep, their insurance rates might go up. Yep, it's possible that this incident could be the final straw that gets their insurance cancelled. I will lose not a moment of sleep if either of these things happen as a result of what happened to their office. It's terrible and, in fact, criminal what has happened to their office, and I hope the person involved is caught and convicted, but, to be frank, shit happens. The NC GOP are big boys, and they can deal with the fallout from this incident. They are not a charity case, and I'm not one bit bothered that right now that they're down an office.
I would compare it to when Justice Scalia died. I'm never happy that any one person is dead, but I can be happy that Scalia will no longer be able to use his influence to push his own hateful agenda on the world. I sure as hell am not going to waste even one moment feeling sorry for the GOP that they're no longer able to command a majority on the Supreme Court in his absence. And I'm definitely not going to lobby President Obama that the next Supreme Court justice needs to follow Scalia's lead, because, man, it sure sucks that the GOP lost some of their power just because a guy died in his sleep.