commercial vs no-commercial registration insurance question

I own a 1999 Mitsubishi Fuso FE639. Diesel 4-cyl turbo, hydraulic brakes, 10.900 gvwr, 2 axles, cab-over, 16ft box with lift gate. I bought it because I was planning on starting a delivery business but things fell through. I want to get my wifes furniture out of storage in Philly and we live in western NY. My current insurance provider won't cover it because they say it is considered a commercial vehicle. Insurance brokers say the same thing and say it has to have commercial insurance $600 down $168 per month, DOT registration $600 (which is through the roof). Questions: is there any way to make this work without spending a fortune?