To be honest , I'm somewhat relieved that it is for AMA members only . When I first read "AMA offers commercial drone insurance" I was under the belief that since we are a hobbyist only 501c organization , to directly offer a commercial product to non members would step outside of the realm of "Hobbyist" . It sounds as if this is the AMA steering AMA members who also happen to fly non hobbyist type flights toward an insurance product that will cover them when the AMA won't , namely during commercial operations . I envision it this way ;

"Harry is a RC model plane hobbyist , who is an AMA member and thus covered by AMA insurance when flying his hobby based flights at the club field . But Harry also has a side business of taking real estate photos for Century 21 (or any other professional home sales company of your choice) and of course by the non hobbyist , for profit nature of the flights he ain't covered by the hobbyist insurance included with every AMA membership . So here is a way we can steer Harry toward an insurance product that will cover him while he's making money with his RC flights , making sure that there is a clear distinction between our regular AMA member (hobbyist) insurance and the insurance product Harry actually needs to be properly covered for his profit making flights . It's the insurance company's interaction with Harry that is commercial and since we aren't directly selling Harry the insurance ourselves (the AMA , that is) we haven't stepped into any commercial territory ."

Now , if the above is true and I'm not mistaken or have missed something , then I really don't see the problem with the commercial insurance referral we are offering our members . Hopefully we were smart enough to negotiate a "referral fee" from the insurance company for every commercial account we send them ?

"AMA offers commercial insurance" would indeed be a problem , as we're not an insurance brokerage . "AMA offers commercial insurance referrals" really can't be seen as any kinds of conflict unless like I said I've missed something here ?