Funny, with over 50 years of flying models at both club sites and elsewhere this has never surfaced as a significant issue, or any kind of an issue for that matter. AMA insurance is secondary to any other insurance the individual may have that covers his modeling activity, this would include insurance for "factory demo" fliers. I think it is safe to say however that this thread will no doubt develop a life of its own if nurtured with enough what ifs and how comes. Now lets try to figure out what the OPs objective was in starting it in the first place.