Well, I never heard from Phil but I'll tell my BoatUS towing story here anyway, since it has a happy ending.
Last year I bought a BoatUS membership with on-the-water towing coverage for my Boston Whaler Outrage 21, which I use primarily in my business. The other day I went to the BoatUS web site to renew that membership. While doing so, I read some fine print that indicated that commercial vessels are not covered by BoatUS towing services. I was a little shocked to read this, especially since it didn't stop BoatUS from taking my money last year (even though I had correctly identified my boat's primary use as commercial), nor did it preclude them from renewing that membership and towing service this year. I was essentially paying for a service that I would never be allowed to use and BoatUS was aware of that.
Anyway, all hot and bothered, I called and e-mailed every BoatUS contact I could find to complain. It being fairly late back east, I mostly got voice mail. But yesterday, Chip Fardwell of the towing service's Customer Relations department called me. Unbidden, he told me he was going to refund my last year's membership and towing service fees and would check into the possibility that my boat might still be able to be covered because it is used for recreational boating as well.
So I am a happy camper. Even if it turns out I cannot use BoatUS towing services, I'm glad to see that BoatUS stepped up and did the right thing without my having to ask them to. Nice to see a big company that values customer service.