{"id":"F2014L00779","name":"Australian Prudential Regulation Authority (confidentiality) determination No.8 of 2014","slug":"australian-prudential-regulation-authority-confidentiality-determination-no-8-of-2014","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":91894,"registerId":"commonwealth-F2014L00779-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Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Australian Prudential Regulation Authority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.8 of 2014","content":"![](image.001.png)\n\nAustralian Prudential Regulation Authority (confidentiality) determination No.8 of 2014\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 June 2014\n\n\\[Signed\\]\n\n…………………………………………………………\n\nJuanita Hoare\n\nSenior Manager, Analysis and Publications\n\nPolicy, Statistics and International\n\nDocument ID: 213498\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":{"flash_summary":{"complexity_score":5,"scope_assessment":{"changed":false,"description":"The determination specifies which items in specified reporting documents are non‑confidential and therefore publishable, and which two cross‑dimension items remain confidential (Schedule Parts 1 and 2). The text does not state any change relative to a prior instrument; it operates by declaring the confidentiality status of listed reporting documents and fields (operative paragraph referencing s57; note referring to s56(5C))."},"complexity_factors":["Multiple report tiers and long enumerations of report names and permutations (Schedule Part 1 identifies level 1 and level 2 reports and many state/product/occupation permutations).","Extensive tabular specification of data measures and dimensions (gross premiums, claims measures, number of policies, development year, COB, LOI, EDA, etc.) creating many combinatorial publishing cases (Schedule, level 2 reports; 'Data measures' and 'Data dimensions').","Carve‑out confidentiality rule limited to two cross‑dimensions — specific interaction effects must be protected (Schedule Part 2: state/jurisdiction × occupation; LOI × excess/deductible), requiring APRA to implement selective suppression or blocking.","Dependence on external reporting standards and prior submissions: applies only to reporting documents given to APRA on or before the determination date and under named standards (GRS/LOLRS 800.x) (Schedule ¶2, ¶4).","Legal hook and decision‑maker concentration: a delegate of APRA acts under s57 of the Australian Prudential Regulation Authority Act 1998 to fix confidentiality (instrument header and operative paragraph).","Publication consequence tied to subsection 56(5C) — a statutory publication power that interacts with the determination (note in instrument).","Operational compliance burden for reporters and APRA: reporters must map submitted fields to the listed dimensions and APRA must implement rules to exclude the two confidential cross‑tabulations (Schedule Part 2).","Granularity of dimension categories (e.g. multiple LOI and EDA bands, occupation codes and ANZSIC/character codes) raises data‑management complexity for aggregation and disclosure control (Schedule 'Limit of indemnity', 'Excess/deductible', 'Industry/Occupation')."],"plain_english_summary":"This determination identifies which data submitted by general insurers and Lloyd’s underwriters to APRA’s National Claims and Policies Database are non‑confidential and may be published. It covers reports lodged under GRS 800.1–800.3 and LOLRS 800.1–800.3 and lists the aggregated measures and dimensions APRA can release; two specific cross‑tabulations (state × occupation and limit of indemnity × excess) remain confidential. The delegate gives effect to publication power under subsection 56(5C) of the APRA Act."},"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-realtime","completionTokens":1852},"content_quality":"ok","complexity_score":4,"scope_assessment":{"changed":false,"description":"This is the original 2014 determination establishing confidentiality rules for the National Claims and Policies Database. The scope remains limited to public liability, product liability and professional indemnity insurance reporting standards as originally intended."},"complexity_factors":["References 6 separate reporting standards (GRS 800.1-800.3 and LOLRS 800.1-800.3)","Distinguishes between Level 1 reports (raw state-based data) and Level 2 reports (analytical filters)","Lists 27 distinct report types across policy, claims, facility and run-off categories","Defines 4 technical terms including 'reporting document' from the Financial Sector (Collection of Data) Act 2001","Specifies confidentiality by exclusion—data is non-confidential unless it combines specific paired dimensions (state+occupation, or limit+excess)","Uses industry-specific classification systems (ANZSIC codes, custom occupation categories A-N)"],"plain_english_summary":"This determination makes certain aggregated summary reports from APRA’s National Claims and Policies Database non‑confidential, letting APRA publish industry‑level premiums, claims and benchmarking data for general insurers and Lloyd’s underwriters. \n\nIt protects privacy by keeping any breakdowns that combine jurisdiction with occupation or combine policy limits with excess amounts confidential, preventing re‑identification while enabling researchers, regulators and insurers to access useful industry trends."}},"importantCases":[],"_links":{"self":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-8-of-2014","history":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-8-of-2014/history","analysis":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-8-of-2014/analysis","conflicts":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-8-of-2014/conflicts","importantCases":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-8-of-2014/important-cases","documents":"/api/acts/australian-prudential-regulation-authority-confidentiality-determination-no-8-of-2014/documents"}}