{"id":"F2021L01033","name":"Australian Prudential Regulation Authority (confidentiality) determination No. 2 of 2021","slug":"australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2021","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":101985,"registerId":"commonwealth-F2021L01033-current","compilationNumber":null,"startDate":"2026-04-03","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Australian Prudential Regulation Authority (confidentiality) determination No. 2 of 2021","content":"![](image.001.png)\n\nAustralian Prudential Regulation Authority (confidentiality) determination No. 2 of 2021\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, Craig Blaser, a delegate of APRA, under paragraph 57(2)(a) of the Australian Prudential Regulation Authority Act 1998, determine the parts of 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.\n\nDated 26 July 2021\n\n\\[Signed\\]\n\n………………………………\n\nCraig Blaser\n\nSenior Manager, Business and External Data Reporting\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, where a period of at least 14 days has elapsed from the date the reporting documents were required to be given to APRA, by general insurers and Lloyd’s Underwriters under the following reporting 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, where a period of at least 14 days has elapsed from the date the reporting documents were required to be given to APRA, 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\n \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

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 change reporting obligations or the data collection standards. It is a confidentiality determination: it specifies which extracted report parts APRA considers non‑confidential and which items remain confidential (Part 2), and sets the 14‑day timing condition for extraction (Schedule paras 2 and 4). It does not amend the underlying reporting standards or require additional data collection."},"complexity_factors":["Multiple report tiers (Level 1 and Level 2) with different coverage and lists of reports (Schedule Part 1).","14‑day timing rule before APRA may extract data for either level (Schedule para 2 and para 4).","Detailed, granular data taxonomy and many dimensions/measures (COB, LOI, EDA, Year, Development year, ANZSIC, product, occupation, state) increasing implementation and mapping burden (Schedule Part 5 tables).","Explicit cross‑tab confidentiality exceptions (state × occupation; LOI × EDA) requiring protective logic when publishing (Schedule Part 2).","Separate treatment for general insurers and Lloyd’s underwriters (GRS vs LOLRS) introduces parallel reporting pathways (Schedule para 2 and tables).","Legal linkage to multiple statutes and instruments (APRA Act para 57(2)(a); Financial Sector (Collection of Data) Act reporting standards) requiring coordination between collection rules and confidentiality determination."],"plain_english_summary":"This APRA determination declares which parts of insurers' reports for the National Claims and Policies Database are non‑confidential and which remain confidential. It covers Level 1 and Level 2 reports under specified GRS/LOLRS standards and imposes a 14‑day delay after filing before APRA may extract data.\n\nIt affects general insurers and Lloyd’s underwriters who supply data; insurers bear disclosure risk and compliance cost, APRA can publish aggregated measures, but state‑by‑occupation and LOI‑by‑excess cross‑tabs are explicitly kept confidential (Part 2)."},"flash_summary_failed":{"failed":true,"reason":"Unauthenticated. Configure AI_GATEWAY_API_KEY or use a provider module. Learn more: https://ai-sdk.dev/unauthenticated-ai-gateway","source":"analysis-cron"},"kimi_summary":{"content_quality":"ok","complexity_score":4,"scope_assessment":{"changed":false,"description":"This determination appears to serve its original intended purpose of specifying which National Claims and Policies Database information is non-confidential. The scope is tightly constrained to public and product liability and professional indemnity insurance data reporting. The detailed tabular specifications, while lengthy, are implementation details rather than scope expansion."},"complexity_factors":["Extensive tabular data specifying 27 different report types across Level 1 and Level 2","Cross-references to 6 separate reporting standards (GRS 800.1-800.3 and LOLRS 800.1-800.3)","Temporal condition: 14-day waiting period before data loses confidential status","Dual-level structure (Level 1 raw submissions vs Level 2 aggregated reports) with different coverage rules","Nested dimensional filtering system with 10 data dimensions and multiple category options per dimension","Exception to the exception structure: blanket non-confidentiality determination with specific carve-outs in Part 2","Incorporation by reference of definitions from three separate Acts (APRA Act 1998, Insurance Act 1973, Financial Sector (Collection of Data) Act 2001)"],"plain_english_summary":"APRA’s determination designates certain insurer data as publishable rather than confidential, affecting general insurers, Lloyd’s underwriters and users of the National Claims and Policies Database. It permits APRA to release raw insurer submissions after a 14‑day delay and to publish aggregated, anonymised statistical reports on policies, claims and specialised facility business.\n\nTo protect privacy and commercial sensitivity, combinations of state+occupation and limit of indemnity+excess remain confidential, balancing transparency for researchers and policymakers with individual and business confidentiality."}},"importantCases":[],"_links":{"self":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2021","history":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2021/history","analysis":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2021/analysis","conflicts":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2021/conflicts","importantCases":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2021/important-cases","documents":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-2-of-2021/documents"}}