I suspect that policies are not even uniform within a single utility. When I did my separate meter for the shop, the GA Power engineer (who later proved on several counts that he was an idiot), said it would be a commercial rate. The woman in the business office who set up the account and work requests told me he (the engineer) had no clue and that it was a residence and I wasn't running a business, so it was a residential rate.
I ran a second meter for a couple of reasons, most notably that coming off the house supply would be very expensive. The house had a 200 amp feed, and did NOT have a outside service disconnect. To come off the house meter with a 200 amp feed to the shop meant that I would have to pay to have a very long underground feed to the house replaced with heavier cable, a new meter socket, and would have to install dual service disconnects for the house and shop. The SE cable to the panel in the house is only three wire, with grounds and neutrals mixed in the panel. To comply with current code (necessary when upgrading the service) I would have needed to replace the SE cable with four wire and install a new panel that allowed for the separating of the neutrals and grounds on isolated bars, not possible with the Square D panel that is now/was installed (a 1985 installation). To top that, I probably would need to run some new romex from the panel to the first junction in many of the branch circuits as splitting the neutrals and grounds would require more wire than I have available (romex too short) and I am not willing to make a bunch of splices in the panelboard to lengthen the neutrals and grounds.
I am still considering upgrading the house service in the future and possibly splicing the neutrals and grounds in the panel and going back afterward and replacing them one at a time.
The power company half encircled my lot to get the power to the house, the main feed for the subdivision runs the length of my lot on the north side, and there is a pole and transformer about 50 ft from the north end of the house. This transformer originally supplied a yard light, now a larger one supplies the shop via a 200 ft down the pole and underground feed to the shop. The main SD feed continues about 300 ft west to the street where a underground high tension feed runs southward across the lot to the south side of it, and runs about 200 ft eastward down the south side to a surface transformer that supplies my house and the home next door. From the transformer the 240v SE feed to my house runs about 100 -130 ft to the south side of my house where the meter is located. A very long way to get power to the house.
Charles