Public or Livery Conveyance Exclusion and Flower Delivery

Our insured loaned her vehicle—on one occasion only—to a flower delivery shop to deliver flowers. While making a delivery, the flower shop driver rolled the vehicle. I know the public or livery conveyance exclusion does not apply since it is meant for delivery or taxiing of people. Does the PAP PP 00 01 06 94 exclude physical damage or med pay coverage for this loss since the insured knowingly loaned the vehicle for business use?

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