What it does
OP 10 31 is the Capital Assets Program cyber incident exclusion with exceptions for specified ensuing causes of loss, 07 21 edition.
Who needs it
Output policy accounts where the carrier adds a cyber exclusion; this version is narrower than OP 10 30.
Quoting and selling notes
Identify which version each quote uses.
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.
