I can almost guarantee you that renters insurance (or the club's insurance) will not cover commercial activities other than flight instruction. The club gets a lower price for limiting it's risk-generating activities.

You might be able to get commercial insurance, but I'm not sure they would cover you for commercial operations in random rental airplanes...they would probably want you to own/lease an airplane specifically for that purpose.

Also a renter's policy will have a provision which requires that you have the owner's permission to use the airplane. If you are blatantly violating club regulations on the use of the airplane, I suspect the insurance company might deny any claims.