ORIGINAL: KidEpoxy
that clubs CANNOT count on AMA insurance so those folks should bring their own.
I did not see anything about clubs. She was speaking more about the individual person who was doing the possibly commercial activity.
Generally, when we receive inquiries regarding sponsored (non-employed) pilots doing demo flights for manufacturers/distributors, we advise that they should not rely on AMA coverage. We cannot guarantee that the policy would respond and we don't want anyone to be caught by surprise in case of an accident.
The insurance for a land owner is always primary as well. So my take is that if the person is an AMA member then in the event of an accident the club's owner insurance is still there, but the individual's insurance may not.