BULK INSERT does not fail when file contains commas instead of semicolons when FIRSTROW > 1
Change the command
From
, FIELDTERMINATOR = '';''

to
, FIELDTERMINATOR = '',''

This should do the trick
BULK INSERT [test_db].[dbo].[test_insert]
FROM 'C:\temp\test_table.csv'
WITH
(
    FORMAT = 'CSV', 
    FIELDQUOTE = '&quot;',
    FIRSTROW = 2,
    FIELDTERMINATOR = ',',  --CSV field delimiter
    ROWTERMINATOR = '\n',   --Use to shift the control to next row
    TABLOCK
)

As the ROWTERMINATOR  goes &lt;ou should try it or switch to \r\n