RE: guarantee of AMA insurance coverage
Look at your AMA Aircraft Safety Code card.
A model aircraft is intended exclusively for sport, recreation, and/or competition.
If you are being paid to fly it then it ain't a model aircraft.
If you are only sponsered, then its a grey area. And Westchester gave a grey answer about sponsership.
I wouldn't equate a grey area to a double standard. We are talking about an area that isn't exactly "A" and isn't quite "B".