Yes I know ,it's not something I'd do regularly, just to get a pic of work done or work that needs to be done that I can't get too without a talll ladder , one could argue I'm making money from it since I'm salery but I'd doubt I'd get more than a warning if in fact the one in a million chance of getting caught happens,,
It is likely the insurance company's POV will be more focused on potential liability issues with an unlicensed PIC.