It's been said in one or two ways, but here's the simple fact;
No ATC comms, airfield unlicensed.
Unlicensed airfield, no Air Transport operations.
Without communications, how would the pilot know if the CFR service of the required Cat is available? That's only one of a zillion reasons why the only option is to hold while trying to establish communication, and divert when necessary if that cannot be done.
Insurance?
It's not an emergency situation, unless and until there is insufficient fuel to divert to an open, licensed airfield with the correct CFR Cat available.
OKC was absolutely right. But it's not just a "professional" course of action to choose to divert in those circumstances, ie no ATC Comms. There is no other option.