Handling of Property Causes Property Damage

July 5, 2011

We have a BAP with symbols 8 and 9 for liability coverages. Our insured hired a company to deliver goods to a residence. The delivery company apparently subcontracted the work further to someone else. During the delivery, this party stacked the goods against a garage door, damaging the door. We see this as a loading and unloading situation to be addressed under the BAP and not the GL policy. Are we correct that exclusion 7 in the BAP (Handling of Property) would not apply since the damage occurred during the unloading process?

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