after making the above statement: The policy sued on as stated, contains an agreement to indemnify plaintiff against claims on account of bodily injuries, etc., suffered by any one not an employee of the company by reason of the operation of the work of the assured, with stipulations among others as follows:
“Subject to the following conditions which are to be construed as conditions precedent:
“Condition A: This policy does not cover loss arising from injuries or death (1) caused by persons whose compensation is not included in the estimated compensation set forth in the said schedule.” And referring to this schedule it appears that same contains an enumeration of nearly all plaintiff’s employees including linemen, but closes with the following:
“Except Drivers — And Secretary and Treasurer (5) and does not cover loss arising from injuries or death caused by any draught or any driving animal or any vehicle, or by any person while in charge thereof.”
"We are inclined to concur in defendant’s position that though the truck that caused the injury was being, at the time, driven by a lineman whose compensation appears in the schedule, the case is withdrawn from the policy under the closing clause, which excepts “Drivers” — from the schedule — and more especially as it appears from the facts agreed that the automobile trucks of plaintiff company were habitually operated by linemen or other employees of the company. But conceding that this might present an ambiguity to be resolved in favor of the insured, there can in our opinion be no question as to the effect and operation of subsection (5) of Exhibit “A” that withdraws from the policy, among others, all claims for injuries caused by “any vehicle or any person in charge thereof.”
It will be borne in mind that this is a policy designed and intended to indemnify plaintiff against damages for injuries caused to third persons in the operation of the work in which the company is engaged, usually localized, and clearly is not intended to afford indemnity for injuries caused by operation of the company’s vehicles in moving from place to place. So careful is defendant to stipulate against liability *600of the latter kind that it appears in the two places. Excepting driver^ from the enumerated schedule — thus bringing them under the effect of subsection (1), and again excepting claims for injuries caused by any vehicle or by “any person while in charge thereof.”
We are not inadvertent to the position, urged upon our attention by appellant that a policy, in case of ambiguity, should be construed more strongly against the company, but the principle does not extend to eases such as this, where a policy, explicit in terms and plain of meaning, withdraws a claim from its stipulations. As said by our late Associate Justice Walker in R. R. v. Casualty Co., 145 N. C., 118:
“But while this salutary rule is well established, it is never enforced except in those cases to which it is strictly applicable, and which comes within its reason and purpose; and while we generally favor the insured, when the company, by the language of its own selection, has created a doubt as to what was meant, the rule will never be carried so far as to make a contract for the parties, different from what they have made for themselves; and it is not applicable when the intent and purpose has been clearly expressed, and their rights can, with certainty, be ascertained from the language as used. Durand v. Insurance Co., 63 Vt., 437; Vance on Insurance, p. 593.”
We find no error in the judgment of the court below and the same is
Affirmed.