Sounds to me like the AMA is leaving the door open in case they decide to back out of a claim. All this commercial non commercial stuff should be decided on
does a person have a business license or is one required to do what they do. A company that sells or builds model planes would need a business license and
equip they own would be considered commercial and anyone they pay to do something on behalf of said company would either be a employee or independent
contractor. If I as a individual builds or repairs a model and then test flies the model for someone that pays me for doing so I should not have to worry about
insurance or the FAA getting involved.

Just my .02