{"id":"F2019L00991","name":"Australian Prudential Regulation Authority (confidentiality) determination No.1 of 2019","slug":"australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2019","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":99598,"registerId":"commonwealth-F2019L00991-current","compilationNumber":null,"startDate":"2026-04-02","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Australian Prudential Regulation Authority (confidentiality) determination No.1 of 2019","content":"![](image.001.png)\n\nAustralian Prudential Regulation Authority (confidentiality) determination No.1 of 2019\n\nInformation provided by general insurers and Lloyd’s underwriters for the purposes of the National Claims and Policies Database under Reporting Standard GRS 800.1, GRS 800.2, GRS 800.3, LOLRS 800.1, LOLRS\n\n800.2 and LOLRS 800.3\n\nAustralian Prudential Regulation Authority Act 1998\n\nI, Andre Korenhof, a delegate of APRA, under section 57 of the Australian Prudential Regulation Authority Act 1998, DETERMINE that a reporting document specified in Part 1 of the Schedule does not contain confidential information, except for the items of information specified in Part 2 of the Schedule.\n\nThis determination commences on the date of registration on the Federal Register of Legislation under the Legislation Act 2003.\n\nNote: The effect of this determination is that the non-confidential information (other than personal information within the meaning of the Privacy Act 1988) may be published under subsection 56(5C) of the Australian Prudential Regulation Authority Act 1998.\n\nDated: 8 July 2019\n\n\\[Signed\\]\n\n…………………………………………………………\n\nAndre Korenhof\n\nSenior Manager, Data Processes & Solutions\n\nData Analytics & Insights\n\n| InterpretationIn this determination: | |\n| ------------------------------------ | --- |\n\nAPRA means the Australian Prudential Regulation Authority.\n\ngeneral insurer has the meaning given in section 11 of the Insurance Act 1973.\n\nLloyd’s underwriters has the meaning given in section 3 of the Insurance Act 1973.\n\nreporting document means a reporting document within the meaning of section 13 of the Financial Sector (Collection of Data Act) 2001.\n\nSchedule\n\nPart 1 (reporting documents covered by this\n\ndetermination)\n\n1. The level 1 reports covered by this Determination are (the level 1 reports):\n\n| | Policy data reports- All States |\n| --- | --------------------------------------- |\n| b. | Claims Data Reports- National |\n| c. | Claims Data Reports- NSW |\n| d. | Claims Data Reports- Victoria |\n| e. | Claims Data Reports- Queensland |\n| f. | Claims Data Reports- Western Australia |\n| g. | Claims Data Reports- South Australia |\n| h. | Claims Data Reports- Tasmania |\n| i | Claims Data Reports- Northern Territory |\n| j. | Claims Data Reports- ACT |\n\n2. The level 1 reports include all data items extracted, for the purpose of preparing the\n\nlevel 1 reports, from reporting documents given to APRA on or before the date of this determination by general insurers and Lloyd’s Underwriters under the following\n\nreporting standards made under the Financial Sector (Collection of Data Act) 2001:\n\n```html\n
  1. General Insurers

Reporting Standard GRS 800.1 Policy Data: Public and Product Liability and Professional Indemnity Insurance

b.

Reporting Standard GRS 800.2 Claim Data: Public and Product Liability and Professional Indemnity Insurance

c.

Reporting Standard GRS 800.3 Facility Business Data: Public

and Product Liability and Professional Indemnity Insurance

B. Lloyd’s Underwriters

Reporting Standard LOLRS 800.1 Policy Data: Public and

Product Liability and Professional Indemnity Insurance

b.

Reporting Standard LOLRS 800.2 Claim Data: Public and Product Liability and Professional Indemnity Insurance

c.

Reporting Standard LOLRS 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance

\n```\n\n3. The level 2 reports covered by this Determination are (the level 2 reports):\n\n```html\n
  1. Policy reports

Year by Product (filter by: COB, State, Occupation, LOI, EDA)

b.

Product by State (filter by: Year, COB, LOI, EDA)

c.

Product by LOI (filter by: Year, COB, State, Occupation)

d.

Product by EDA (filter by: Year, COB, State, Occupation)

e.

Year by State (filter by: COB, Product, LOI, EDA)

f.

LOI by State (filter by: Year, COB, Product)

g.

EDA by State (filter by: Year, COB, Product)

h.

Year by LOI (filter by: COB, State, Product, Occupation)

i.

Year by EDA (filter by: COB, State, Product, Occupation)

j.

Occupation by Year (filter by: COB, Product, LOI, EDA)

k.

Occupation by Product (filter by: Year, COB, LOI, EDA)

l.

Occupation by LOI (filter by: Year, COB, Product, Occupation)

m.

Occupation by EDA (filter by: Year, COB, Product, Occupation)

B. Claim reports

Year by Development year (filter by: COB, State, Product, Occupation, LOI, EDA)

b.

Year by Product (filter by: COB, State, Occupation, LOI, EDA)

c.

Product by State (filter by: Year, COB, LOI, EDA)

d.

Product by LOI (filter by: Year, COB, State, Occupation)

e.

Product by EDA (filter by: Year, COB, State, Occupation)

f.

Year by State (filter by: COB, Product, LOI, EDA)

g.

LOI by State (filter by: Year, COB, Product)

h.

EDA by State (filter by: Year, COB, Product)

i.

Year by LOI (filter by: COB, State, Product, Occupation)

j.

Year by EDA (filter by: COB, State, Product, Occupation)

k.

Occupation by Year (filter by: COB, Product, LOI, EDA)

l.

Occupation by Product (filter by: Year, COB, LOI, EDA)

m.

Occupation by LOI (filter by: Year, COB, Product, Occupation)

n.

Occupation by EDA (filter by: Year, COB, Product, Occupation)

C. Facility reports

Reporting period (filter by: Occupation)

b.

Occupation (filter by: Reporting period)

D. Facility in run-off reports

Reporting period (filter by: Occupation)

b.

Occupation (filter by: Reporting period)

\n```\n\n4. The level 2 reports include data items extracted, for the purpose of preparing the level 2 reports, from reporting documents given to APRA on or before the date of this determination by general insurers under the following reporting standards made under the Financial Sector (Collection of Data Act) 2001:\n\n| | Reporting Standard GRS 800.1 Policy Data: Public and Product Liability and Professional Indemnity Insurance |\n| --- | --------------------------------------------------------------------------------------------------------------------- |\n| b. | Reporting Standard GRS 800.2 Claims Data: Public and Product Liability and Professional Indemnity Insurance |\n| c. | Reporting Standard GRS 800.3 Facility Business Data: Publicand Product Liability and Professional Indemnity Insurance |\n\n5. The level 2 reports include the following data items:\n\n```html\n
  1. Data measures

Gross written premium, gross earned premium, number of risks written and average earned premium.

b.

Number of claims reported, number of claims finalised, gross claim payments and gross claims incurred, each of which is available on an underwriting year, accident year and calendar year basis.

c.

Premiums received, claims paid, and number of policies, number of claims and number of facilities.

B. Data dimensions

Year

b.

Development year

c.

Class of business

d.

State/Jurisdiction

e.

Product

f.

Industry/Occupation

g.

Limit of indemnity

h.

Excess/deductible

C. Dimension categories available in level 2 reports

Year

b.

Underwriting years

c.

Accident years

d.

Calendar years

e.

Six month reporting period (facility reports only)

D. Development year

ALL

b.

0 – 9

E. Class of business (COB)

PI

b.

PL

F.

State/Jurisdiction

a.

All States

b.

No detailed occupation information is available except on All States’

c.

NSW

d.

VIC

e.

QLD

f.

SA

g.

WA

h.

TAS

i.

NT

j.

ACT

k.

Unknown

G. Product

ALL

b.

D&O and employment practices liability

c.

Medical indemnity/Malpractice

d.

Other professional indemnity

e.

Construction liability

f.

Product liability

g.

Public liability

h.

Other product and public liability

H. Industry/Occupation

ALL

b.

No detailed state/jurisdiction information is available except on ‘ALL’

c.

2 digit ANZSIC code; or

d.

character occupation code

e.

A - Financial occupations

f.

B - General Consultants

g.

C - Medical & Paramedical occupations

h.

D - Legal & Para Legal occupations

i.

E - Real Estate occupations

j.

F - Agricultural, Horticultural occupations

k.

G - Schools, Colleges occupations

l.

H - Insurance occupations

m.

I - Local Government occupations

n.

J - Miscellaneous occupations

o.

K – Architects

p.

L - Engineering occupations

q.

M - Surveying occupations

r.

N – Defamation

I. Limit of indemnity (LOI)

ALL

b.

No detailed EDA information is available except on ‘ALL’

c.

0-5m

d.

5m-10m

e.

10m+

J. Excess/deductible (EDA)

ALL

b.

No detailed LOI information is available except on ‘ALL’

c.

0-$499

d.

$500-$999

e.

$1,000+

\n```\n\n \n\nSchedule\n\nPart 2 (items of information from reporting documents that are to remain confidential)\n\n Data items in respect of the following data dimensions are not covered by this Determination:\n\n data on state/jurisdiction and also occupation; and\n data on the limit of indemnity and also the excess/deductible.","sortOrder":0}],"analysis":{"flash_summary":{"complexity_score":6,"scope_assessment":{"changed":false,"description":"The instrument does not expand reporting obligations. It clarifies which items extracted from specified existing reporting documents are non‑confidential (and therefore publishable) and which paired dimensions must remain confidential. It operates within the reporting framework already set by the referenced GRS/LOLRS standards and APRA's statutory powers (s57)."},"complexity_factors":["Multiple cross‑references to statutes and reporting standards (APRA Act s57; numerous GRS/LOLRS reporting standards) increasing legal-technical linkage.","Two-tier structure (level 1 and level 2 reports) with different sets of reports and filters to reconcile operationally.","Highly granular data dimensions and categories (year, development year, COB, state, product, occupation, LOI, EDA, etc.) requiring precise mapping and aggregation rules.","Exclusions defined as combinations of dimensions (state + occupation; LOI + EDA) rather than single fields, complicating de‑identification and publication logic.","Large number of named report permutations and filter combinations (per state, product, occupation) raising implementation and validation burden for APRA and reporters.","Interaction with Privacy Act carve‑out for personal information (note in determination) creates dual confidentiality regimes to manage.","Potential operational costs and re‑identification risk: publishers must aggregate or suppress data to keep excluded dimension pairs confidential.","Temporal limitation ('data given on or before the date of this determination') creates scope‑of‑application questions for later submissions."],"plain_english_summary":"This determination says which data items from insurers’ reports to APRA (under specified GRS/LOLRS reporting standards) are non‑confidential and may be published, and which paired data dimensions must remain confidential (state combined with occupation; limit of indemnity combined with excess). It applies to general insurers and Lloyd’s underwriters who gave those reports to APRA. APRA (by delegate under s57) may publish the non‑confidential data; insurers carry the reporting and any data‑preparation costs to avoid re‑identification."},"kimi_summary":{"content_quality":"ok","complexity_score":4,"scope_assessment":{"changed":false,"description":"This determination appears to be operating within its original intended scope. It is a specific confidentiality determination under section 57 of the APRA Act 1998, dealing with the National Claims and Policies Database for liability insurance. The detailed specification of report types and data dimensions reflects the technical nature of the subject matter rather than scope creep. The instrument does not appear to have expanded beyond the original purpose of enabling publication of aggregated insurance statistics while protecting commercially sensitive and identifiable information."},"complexity_factors":["Extensive tabular data specifying 27 different report types across 4 categories (policy, claim, facility, facility in run-off)","Nested categorisation system with 10 data dimensions (year, development year, class of business, state, product, occupation, limit of indemnity, excess/deductible) and multiple sub-categories within each","Cross-references to 6 external reporting standards (GRS 800.1-800.3 and LOLRS 800.1-800.3) made under the Financial Sector (Collection of Data) Act 2001","Conditional confidentiality logic: data is non-confidential UNLESS specific combinations occur (state+occupation, or limit of indemnity+excess/deductible)","Three defined terms referencing external legislation (APRA Act 1998, Insurance Act 1973, Financial Sector (Collection of Data) Act 2001)","Distinction between 'Level 1' reports (raw data extracts) and 'Level 2' reports (aggregated/analysed data) with different source standards applying to each"],"plain_english_summary":"This APRA determination sets what insurance data from the National Claims and Policies Database can be published and what must remain confidential. It affects general insurers, Lloyd’s underwriters and anyone using the NCAPD by allowing aggregated statistics on premiums, claims and policies (by year, state, industry, product and claim size) to be released.\n\nIt withholds specific data combinations that could identify businesses or reveal sensitive commercial terms—notably state+occupation and limit+excess—balancing transparency with privacy."},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"}},"importantCases":[],"_links":{"self":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2019","history":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2019/history","analysis":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2019/analysis","conflicts":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2019/conflicts","importantCases":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2019/important-cases","documents":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-1-of-2019/documents"}}