I have my doubts about the "voyeur" cam concerns by underwriters. Otherwise they could just throw that disclaimer in there instead of the broad brush approach of no insurance when off the covered premises. Make the disclaimer that you have to be there with permission or by invitation. Pretty simple. Otherwise, you have coverage just like it reads now....nothing off-premises. What's so hard about that? My guess is that someone wanting to operate a drone for elicit purposes doesn't include "insurance coverage" on his pre-flight checklist.

My digital SLR w/300mm lens hung around my neck would be more effective if that's what one wanted pictures of. Unless the subjects being filmed had an enormous amount of background lighting, the little cameras on hoverable civilian drones aren't that good.