ORIGINAL: littlecrankshaf
<snip>
Now, If the land owner does not grant exclusive use to the club then others are allowed...
Yes, that is self-evident.
....the policy as I understand it covers the land owner for all model flying...members of AMA or not...
That is not stated in the insurance policy (AMA PDF Doc 500-1), and that is why I asked for the source of information that led to your understanding. There may be something germane to the question in the Certificates issued to landowners, but there are no examples that I could find on the AMA web site. Have you ever seen one?
...otherwise a land owner might be at risk from otherwise and unknown model flying use...the policy would be of little comfort unless bullet proof.
That is reasonable argument for how things should be, but not evidence of how things are. Why should private site owners be covered for risks that public site owners are not? The insurance policy makes no such distinction, at least none that I could find.
Abel