I'm interested in liability insurance (not drone replacement) only for recreational use NOT commercial. Say a prop breaks off and in the process of uncontrolled crash from 300 feet my drone flies into a moving vehicle. I was looking at the $500K or $2.5 million liability insurance you get with the $48 or $85 memberships respectively with the AMA (Academy of Model Aeronautics). More attractive now since they are an FAA approved CBO. Here's my concern - this is always recreational in that I'm doing it for fun, hobby, etc. If it was commercial I'd get hourly coverage for the mission, I do have my part 107. But.. what if its 8 p.m., night, I just want to get some night lapse shots, practicing, hobby, whatever. But.. since I'm in controlled airspace LAANC no longer lets me select recreational, I must select Part 107 Commercial for clearance. I get that, you need be certified, know the rules, etc. But would clicking that "commercial" negate my recreational coverage from the AMA or other recreational type liability coverage? Obvious answer is "well duh, yeah, you just said commercial flight," but the AMA liability insurance states that it “does not cover business pursuits: that is any activity that generates income for a member beyond reimbursement of expenses." So at least from their most recent fine print I would be covered the way it's worded, I'm making zero $$ from that hobby / training mission. Thoughts?