you do realize that the AMA insurance is already covering every member like skylark, no matter where they fly, as long as they have permission to fly there.
and most likely, would still cover without permission as long as no law/local ordnance was being broken.
that specially crafted policy you say no insurance carrier would ever write, has already been written and is being used now.
oh yeah, AND I DO NOT REMEMBER ANY MENTION OF EXTRA COST BEING APPLIED TO MAKE IT THE WAY IT IS.