What it does
OP 10 30 is the Cyber Incident Exclusion for the Capital Assets Program, filed by ISO with a 07 21 edition alongside OP 10 31.
Who needs it
Carriers attach it to output policies to keep cyber-caused property losses out of the property form.
Quoting and selling notes
Recommend a cyber policy; compare with OP 10 31, which preserves certain ensuing losses.
Before presenting it
Ask the carrier for the specimen and walk the insured through covered property, causes of loss, exclusions, valuation, deductibles and sublimits before relying on this summary.
How it fits
Capital Assets Program endorsements change only the provisions they name in OP 00 01; the rest of the coverage form and its declarations (OP DS 01, OP DS 02) continue to apply. When presenting a quote, list each OP endorsement with its schedule entries (locations, limits, deductibles) and compare the package with the equivalent commercial property (CP) forms if the insured is weighing both programs.
