Final answer:
The exclusion not typically covered under a commercial auto policy is 'D. Contractual liability. The policy normally includes loading or unloading non-owned autos, while care, custody, or control is a standard exclusion.
Step-by-step explanation:
The question relates to the exclusions found within a commercial auto policy. The exclusions mentioned are typical terms found within these policies. Under a commercial auto policy, the loading or unloading provision is generally included as a covered exposure, meaning the insurer protects accidents that occur while materials are being loaded onto or unloaded from a vehicle. The care, custody, or control exclusion specifies that the policy does not cover damage to property that is being transported by the insured, as that is under the insured's care, custody, or control at the time of the accident. Coverage for non-owned autos is also typically included, as it provides protection for vehicles that the business does not own but uses, such as an employee's car used for business purposes. Contractual liability refers to any liabilities that an insured assumes through a contract or agreement. This type of liability is typically excluded, as policies are not meant to cover contractual obligations.
Based on this information, the correct answer is 'D. Contractual liability as it is not typically covered under a standard commercial auto policy. The other options are generally covered, though they are subject to the specifics of the policy's terms and conditions.