1. A commercial vehicle, insured as a goods carrying vehicle, delivers goods which are being unloaded by a person at a clients shop. Whilst walking through the shop, the person unloading the goods drops a box onto a customers foot, causing injury. The customer had come to shop on the premises on which the goods were being unloaded.

(a) Explain what is typically covered under commercial vehicles insurance in relation to loading and unloading of goods?

(b) Briefly describe the factors that will determine whether cover operates under the circumstances described above and the alternative insurance options if it does not.