{"id":"F2013L00555","name":"Australian Prudential Regulation Authority (confidentiality) determination No.5 of 2013","slug":"australian-prudential-regulation-authority-confidentiality-determination-no-5-of-2013","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":172792,"registerId":"commonwealth-F2013L00555-current","compilationNumber":null,"startDate":"2026-04-04","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Australian Prudential Regulation Authority (confidentiality) determination No.5 of 2013","content":"![](image.001.png)\n\nAustralian Prudential Regulation Authority (confidentiality) determination No.5 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: 19 March 2013\n\n\\[Signed\\]\n\nJuanita Hoare\n\nSenior Manager, Analysis and Publications\n\nPolicy, Research and Statistics\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":1592},"content_quality":"ok","complexity_score":3,"scope_assessment":{"changed":false,"description":"The determination remains focused on its original purpose: specifying which data elements in liability insurance reports are confidential. No evidence of scope creep beyond the National Claims and Policies Database reporting requirements."},"complexity_factors":["Extensive cross-references to external reporting standards (GRS 800.1–800.3, LOLRS 800.1–800.3)","Detailed enumeration of 40+ data dimensions and occupational categories (ANZSIC codes, 18 occupational classes)","Technical insurance terminology (development year, underwriting year, limit of indemnity, excess/deductible)","Two-tier reporting structure (Level 1 raw reports vs Level 2 analytical reports with multiple filter combinations)"],"plain_english_summary":"This instrument lets APRA treat most statistical data from reports on public liability, product liability and professional indemnity insurance as non‑confidential, enabling publication through the National Claims and Policies Database. It affects general insurers and Lloyd’s underwriters required to report detailed policy and claims data. Two specific data combinations that could identify businesses or policyholders (state/occupation and limit of indemnity + excess) remain protected. The change opens aggregated market insights to researchers, consumer groups and analysts."},"flash_summary":{"complexity_score":4,"scope_assessment":{"changed":false,"description":"This instrument clarifies the confidentiality status of specified reporting documents submitted to APRA (GRS/LOLRS 800.1–800.3) by declaring them non‑confidential except for the two categories listed in Part 2. It does not amend the underlying reporting standards or create new reporting obligations; it only defines which data items may be published and which remain confidential (effective from registration date)."},"complexity_factors":["Delegated administrative act under APRA Act s57 (decision taken by an APRA delegate rather than primary legislation).","Cross-references to multiple statutes and instruments: Australian Prudential Regulation Authority Act 1998 (publication power in s56(5C)) and reporting standards made under the Financial Sector (Collection of Data) Act 2001 (GRS/LOLRS 800.1–800.3).","Two-tier structure (level 1 and level 2 reports) with different scopes and outputs increases operational detail to implement.","Extensive tabular detail listing data measures, dimensions and categorical breakdowns (years, COB, product, LOI, EDA, occupation, states), demanding precise mapping from submitted reports to published aggregates.","Targeted confidentiality carve-outs: only two combinations of data dimensions remain confidential (state/jurisdiction combined with occupation; limit of indemnity combined with excess/deductible) — operationally simple in principle but requires careful data handling to avoid disclosing excluded combinations (Part 2).","Temporal limitation: applies to reporting documents given on or before the determination date, creating a clear cutoff for application and record-keeping implications.","Implementation burden on APRA and reporting entities to classify, redact and aggregate data consistently before publication."],"plain_english_summary":"This APRA determination declares that specific reports supplied by general insurers and Lloyd’s underwriters for the National Claims and Policies Database (the GRS/LOLRS 800.1–800.3 reports) are not confidential, except for two narrowly defined data combinations retained as confidential. The change lets APRA publish the non‑confidential aggregated data (see APRA Act subsection 56(5C)) and applies to reports given to APRA on or before the determination’s registration date."}},"importantCases":[],"_links":{"self":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-5-of-2013","history":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-5-of-2013/history","analysis":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-5-of-2013/analysis","conflicts":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-5-of-2013/conflicts","importantCases":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-5-of-2013/important-cases","documents":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-5-of-2013/documents"}}