AFAIR what it boils down to is that if you have a ham license, there is a presumption that you know to some extent what you're doing (15.15.a?); so if you do break something it probably makes the distinction between "reckless" and "accidental".

Honestly if you do it well the question won't come up. So either you learn your shit well enough for it to not matter, or you get the ham license for insurance at the cost of at least proving you got the gist down. shrug :)