{"id":"F2013L01046","name":"Australian Prudential Regulation Authority (confidentiality) determination No.12 of 2013","slug":"australian-prudential-regulation-authority-confidentiality-determination-no-12-of-2013","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":90779,"registerId":"commonwealth-F2013L01046-current","compilationNumber":null,"startDate":"2026-04-02","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Australian Prudential Regulation Authority (confidentiality) determination No.12 of 2013","content":"![](image.001.png)\n\nAustralian Prudential Regulation Authority (confidentiality) determination No.12 of 2013\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, Juanita Hoare, a delegate of APRA, under section 57 of the Australian Prudential\n\nRegulation Authority Act 1998, DETERMINE that a reporting document described 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 has effect from the date of registration on the Federal Register of Legislative Instruments under the Legislative Instruments Act 2003.\n\nNote: The effect of this determination is that the non-confidential information may be published under\n\nsubsection 56(5C) of the Australian Prudential Regulation Authority Act.\n\nDated: 14 June 2013\n\n\\[Signed\\]\n\n…………………………………………………………\n\nJuanita Hoare\n\nSenior Manager, Analysis and Publications\n\nPolicy, Research and Statistics\n\nDocument ID: 209205\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 Claims 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 Claims 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 and Lloyd’s Underwriters 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\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\n b. data on the limit of indemnity and also the excess/deductible.","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-realtime","completionTokens":3216},"content_quality":"ok","complexity_score":4,"scope_assessment":{"changed":false,"description":"The determination remains precisely scoped to the confidentiality classification of National Claims and Policies Database reporting documents under section 57 of the APRA Act, applying to documents submitted on or before the determination date without expanding beyond this specific administrative function."},"complexity_factors":["Cross-references to six external reporting standards (GRS 800.1-800.3, LOLRS 800.1-800.3)","Two-tier reporting structure distinguishing Level 1 and Level 2 reports","Technical insurance terminology (e.g., 'limit of indemnity', 'underwriting year', 'development year')","Dual-dimensional confidentiality carve-outs requiring simultaneous evaluation of two data fields"],"plain_english_summary":"This determination designates certain insurance data reported to APRA for the National Claims and Policies Database as not confidential, allowing APRA to publish aggregated policy and claims statistics (premiums, policy counts, claims paid/incurred, breakdowns by product, year and development year). It affects domestic general insurers, Lloyd’s underwriters, and users of insurance market data. Two sensitive combinations stay protected from publication: state with occupation, and limit of indemnity with excess."},"flash_summary":{"complexity_score":4,"scope_assessment":{"changed":true,"description":"This determination changes the confidentiality scope of specified reporting documents by declaring most extracted data non-confidential while preserving confidentiality only for the two combined item-sets listed in Part 2 (state + occupation; limit of indemnity + excess/deductible). It does not alter insurers' reporting obligations under the listed GRS/LOLRS standards, only the status of which reported items may be published (see preamble, Schedule Part 1, Part 2 and the note on s56(5C))."},"complexity_factors":["Legal basis and delegation: makes a confidentiality decision by an APRA delegate under s57 of the Australian Prudential Regulation Authority Act 1998 (source: determination preamble).","Explicit publication hook: non-confidential data may be published under subsection 56(5C) of the APRA Act (source: note in determination).","Large, detailed schedules: long enumerations of level 1 and level 2 reports and many data measures and dimensions (years, development year, COB, state/jurisdiction, product, occupation, LOI, EDA) increase operational detail (Schedule Part 1 and Part 5).","Cross-references to multiple reporting standards (GRS 800.1–800.3 and LOLRS 800.1–800.3) require mapping between submissions and published outputs (Schedule Part 1 & 4).","Granular confidentiality carve-outs: confidentiality is preserved only for two specific combined data items (state/jurisdiction + occupation; LOI + excess/deductible), which creates a narrow but technical exclusion to apply in publishing (Schedule Part 2).","Implementation risk: the volume and granularity of listed dimensions create re-identification and filtering challenges for safe publication, implying non-trivial data-processing choices by APRA and reporters (implied by the detail of dimensions/measures)."],"plain_english_summary":"This APRA determination declares that datasets submitted by general insurers and Lloyd’s underwriters under specified GRS/LOLRS reporting standards are not confidential for the National Claims and Policies Database, except for the particular combinations listed in Part 2. The decision is made by an APRA delegate under s57 of the APRA Act and enables publication under s56(5C). It affects insurers who supply the reports (they bear the reporting and publication exposure) and APRA which decides what data may be released."}},"importantCases":[],"_links":{"self":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-12-of-2013","history":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-12-of-2013/history","analysis":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-12-of-2013/analysis","conflicts":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-12-of-2013/conflicts","importantCases":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-12-of-2013/important-cases","documents":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-12-of-2013/documents"}}