My understanding is that commercial rights means it’s for business usage.
Actually, how you understand those rights is totally up to you, as long as you disclaim them fully in the gig and FAQ section you can make them work for you: just ensure the buyer is on the same page as yourself and you should be cool.
The voice related rights bits of the terms are an interesting read.
My plan with VO is to offer gigs, but to exclude TV usage on them, unless by prior arrangement, that way I can charge more inline with the voice industry standards. Proper rights. Proper rates.
(God, I’ve become one of those pretentious VO types who are defending rights and rates!)
As for telephony stuff, individuals tend to voice their own greetings: everyone else should pay a commercial rate for a commercial grade product IMHO.
I’ll probably include rights as standard and make that a selling point on my IVR gigs.
If they’re happy to pay it, do you really want to discount?
Surely that money is better off being yours!?!?