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The Commercial General Liability (CGL) form and the Business Auto policy (BAP) contain complementary language when it comes to a claim for injury or damage arising out of loading or unloading property from a motor vehicle. This complementary language is found in exclusions: The CGL form does not apply to claims arising out of the handling of property while it is being moved from an auto to the place where it is finally delivered; the BAP does not apply to claims resulting from the handling of property after it is moved from the covered auto to the place where it is finally delivered. So if one form excludes coverage, the other usually provides coverage. However, a dispute over which form applies to a claim often starts when it is not clear when the property is “finally delivered.”

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