One, a club should know who is flying at there field and demand AMA insurance to do so. If someone is flying there without permission and without AMA, then that person should be held acountable for any damage done to property. Two, if someone is teaching someone else to fly they should make sure that person has AMA insurance, if not, it is on there head for damages inflicted to property. If they do not have insurance, then let them know what it is, why they need it, and tell them as soon as they get it they will be instructed. Three, if both instructor and student have insurance, then they are covered anyway and don't need aditional insurance. Four, if someone wants to profit over teaching a HOBBY, they should buy land and insure it themselves. Clubs should not allow people to accept money for this service. Now I could see were a club would accept a small payment from new members that do not have a plane yet. They could use the money to buy a plane for the club to use as a trainer and also use the money to fuel and upkeep the trainer.

The only snag for clubs would be letting non insured audiance members fly during fun flys, to promote the hobby. Maybe the AMA could offer an insurance to clubs for this.