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Loading and Unloading...CGL or BAP?

The BAP covers loading and unloading of a vehicle if done by hand, hand truck, or a mechanical device attached to the auto. The CGL policy picks up the exposure if property is moved by an unattached mechanical device other than a hand truck. So, the question is, what is a "hand truck"?

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Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556
email: info@iiaba.net

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