The word 'overloading' in an accidental overload clause of a crane insurance policy encompasses structural overloading caused by operating the crane on a slope, not merely physical overloading from excessive cargo weight. An operator's negligent failure to ensure level ground does not necessarily render the resulting damage non-accidental where the ground preparation method was consistent with industry practice and the operator genuinely expected the ground to compress; the question is whether the conduct amounted to a deliberate courting of the risk rather than mere negligence.
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