I had an in depth discussion with the AMA about giving instruction to (or by) non-AMA members.

If you use the AMA member's model, you are covered. Not for just one flight either... That address label you pull off a magazine and stick in your model or what ever method you use to meet the AMA's "name address and AMA number in or on the model" requirement needs to be met for the insurance to be valid.

You have to substantially be flying within the AMA's Safety code rules. (which basicly adds upt to... don't be stupid on purpose.)

You don't have to use a club's field, just an appropriate site for the model being flown, with the site owner's permission to fly there.

One of the stated purposes of the AMA is promotion of the sport/hobby. Very hard to be promoting interest by preventing members from helping non-members.