Loading and Unloading an Insured Vehicle

I have a question regarding the loading and unloading of an insured vehicle under the business auto policy. If our insured is at a job site and is unloading a ladder from his truck and the ladder falls, damaging an object, does the BAP apply to the damage?

Also, at what point would the ladder be considered to be not in the act of unloading? I considered the analogy of delivering an item to its final destination, but this is not an item being delivered. If the ladder was placed on the ground after unloading, and then picked up again to move to the worksite, has the act of placing the ladder on the ground ended the unloading?