The business auto policy does not actually discuss loading and unloading like the CGL form. But, there is an exclusion on the BAP pertaining to bodily injury or property damage resulting from the movement of property. Of course, this exclusion applies only when the injury or damage results from the movement of property by a mechanical device, unless the device is attached to the covered auto. Since in this case, the damage resulted from the moving of property by hand, this exclusion does not apply and the damage is covered by the auto policy.

As for when the unloading stops, that has to be a matter of judgment. There is no definition in the auto policy to help, so a common sense, rational approach has to be taken. In this instance, since there is no intention of delivering the ladder anywhere and it is just being taken off the truck for work purposes, we are of the opinion that once the ladder leaves the truck, that is when the unloading stops. After the insured has placed the ladder on the ground with the intention of picking it up again to use in his work, the act of unloading has already ended.