If anyone, ANYONE, receives any type of consideration from an activity involving the use of a drone it is a commercial operation and is bound by the requirements of Part 107 and other applicable FAR's. So yes, an insurance agent using a drone to capture images related to anything to do with his company or a client's policy, policy coverage, property damage, property assessment, etc., is a commercial activity. Even if all he does is take an aerial picture and put it up on his office wall or website for people to see it's commercial because that picture could prompt a client to conduct business they would not have otherwise done.