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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.
#hobby
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How do you stand out as a product photographer now that AI is getting so good? Is product photography in trouble?

I've been seeing more and more AI-generated product photography lately and some of it is honestly getting scary good 😅 How photographers working in this space are adapting, are clients already asking for AI instead of shoots?
And if you wanted to stand out as a product photographer now, what would you focus on that AI still can't really replace?
#hobby
Is there any photo editor apps that have features like Warp, enlarge, shrink etc but allow for selective appliance?

For funny edits basically (android), like adding warp to arms and enlarge on head for example. Old versions of the Samsung photo editor app used to gave all that back in 2018.
#hobby