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How insurance companies check if your camera is used for business?

I’m really not sure it what means. I use my cameras mostly for myself, but occasionally, I use them for YouTube videos or taking photos of a friend.

I’m not sure what it means to be used as a business, as I mostly use my iPhone for videos and occasionally my Osmo pocket 4P. And never use my Sony a7R V, but do very occasional, a few times a year, photos for friends and family.

How do insurance companies check if your camera is used for business? I just got USAA for $24 a year for my Osmo. But I’m concerned if it’ll be covered or not.

I don’t have a lot of money, so I need cheap insurance but also want it to not worry me.
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