Loading and Unloading Claim Covered by Business Auto or CGL Form?

Q

Should the business auto or the CGL policy respond to a situation in which a fireplace, being delivered to the buyer's home scratches a floor? One of our clients sells fireplaces, and a floor was scratched during delivery of a fireplace unit. We turned the claim in to the auto carrier, but the adjuster denied it and said the CGL insurer should handle it. The men who delivered the fireplace also installed it. Which coverage should apply?

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