Which claim is subject to liability coverage under a commercial auto policy?

The claim that happens during the delivery of products is subject to liability coverage under a commercial auto policy because it directly relates to the business operations and the transportation of goods, which are essential functions covered by such policies. Commercial auto insurance is designed to protect businesses against liabilities arising from the use of vehicles in the course of conducting business activities, including the delivery of products.

In this context, when a vehicle is being used to make deliveries, there is a heightened risk of accidents involving other vehicles, pedestrians, and property. The commercial auto policy would provide liability coverage for any injury or property damage that occurs as a result of the delivery process, thus safeguarding businesses from potential lawsuits or claims emanating from these scenarios.

Other scenarios, such as a truck parked, might not engage the vehicle in operation, while using a mechanical device to unload might not fully pertain to vehicle operation itself. Claims involving injuries to pedestrians, though they could be covered, must specifically relate to the vehicle's operation rather than an incidental situation. Therefore, the delivery process captures the core essence of what a commercial auto policy is intended to cover, hence making it the correct answer.