Also, in New York, you can tow over 10,000 lbs if the truck/trailer is less than 26,000 lbs gross without a CDL license. That doens't mean you don't need commerical insurance.
DOT standards also apply.
If you haul for money, you now become a commercial operator. If you put a business name on a truck, it is considered a commercial truck.
Your insurance company may have it's own standards. Better check with them as to what you insurance covers.
Personally, I would be nervous as hell towing 14,000 lbs with a truck that weights less than 7,000 lbs curb weight and only 4 tires. Even with a gooseneck, that is about max rating for that truck IF it was built to tow that much and had the right tires. A dually would be much better suited for the task.