No.
If the commercial vehicle requires a CDL to drive it, you do.
Depends on what the vehicle is. A one ton pickup is a commercial vehicle if used for commercial purposes, even though it doesn't require a CDL.
No, you can get a commercial policy for a commercial vehicle. If it's for a company you work for, I would make sure they had proper insurance before you drove the vehicle.
No.
in Canada - 15 to cross a road , 16 to drive on a road.
A Commercial drivers licence is the licence to drive any heavy weight vehicle. You do not need a parent in the vehicle with you when you drive on the streets. Although, you do need a parent present when you get your licence, and they have to sign the papers.
You can't drive any class of vehicle that way. If you don't have the licence, or else a permit and an appropriately licenced driver with you, you can't drive it.
Yes
Yes. If you are driving a commercial vehicle, without a commercial vehicle license, then you can indeed be ticketed and fined. This is true regardless of the type of road you are driving on. - - - - - It depends. You can drive a commercial vehicle within 50 miles of the place where the vehicle is customarily stored without having a CDL. This is so farmers can haul crops to the buyer without needing a CDL.
It is illegal on all 50 states.
Yes, and they must be in the seat beside you.
In Michigan, yes, although it might be against company policy.