Funeral Directors Liability, Auto Accidents, and Damage to Bodies

Our insured is a funeral director and has his business insured under a BOP with endorsement BP 08 02 (funeral directors professional liability) attached. The insured also has a business auto policy for his auto exposures and the BAP has endorsement CA 20 18 (professional services not covered) attached. Our question is this: if the insured is transporting a body and an accident occurs or a car fire starts and the body is damaged, which policy would cover a claim made against the insured by the family of the deceased?

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