The company shall compensate the insured in the event of an
accident caused by or arising out of the use of the motor vehicle,
subject to the limits specified in this policy, against all sums
which the insured shall become legally liable to pay as
Death or bodily injury to any person including the passengers in
the vehicles except the insured or the driver at the time of the
accident and their families spouse, parents and children and the
employees of the insured if they are injured during the working
hours or as a result of their work.
Damages for materials and property, except those owned by the
insured or the driver at the time of the accident or property held
in trust or in their custody or control.