To indemnify the Insured against:
(I) all sums which the Insured shall become legally liable to pay in respect of:
(a) accidental bodily injury or dead to third parties;
(b) accidental loss of or damage to property belonging to third parties
(II) all legal costs and expenses incurred with the Insurer’s consent caused in the course of the Insured’s business.
To provide protection against the risk of bodily injury caused solely and directly by accidental violent external and visible means resulting in the death or permanent disablement of the Insured person and medical and surgical treatment for such injury.