{"id":"F2021L00343","name":"Financial Sector (Collection of Data) (reporting standard) determination No. 3 of 2021","slug":"financial-sector-collection-of-data-reporting-standard-determination-no-3-of-2021","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":101557,"registerId":"commonwealth-F2021L00343-current","compilationNumber":null,"startDate":"2026-04-02","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"Objective of this reporting standard","sectionType":"part","heading":"Objective of this reporting standard","content":"# Objective of this reporting standard\n\nThis Reporting Standard sets out requirements for the provision of information to APRA relating to facility business data on public liability, product liability and professional indemnity insurance.\n\nIt includes Reporting Form GRF 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance and the associated instructions.","sortOrder":0},{"sectionNumber":"Authority","sectionType":"part","heading":"Authority","content":"## Authority\n\n1. This Reporting Standard is made under section 13 of the Financial Sector (Collection of Data) Act 2001.","sortOrder":1},{"sectionNumber":"Purpose","sectionType":"part","heading":"Purpose","content":"## Purpose\n\n2. Information collected by Reporting Form GRF 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance (GRF 800.3) is used by APRA for the purpose of prudential supervision and publication, including publication in the National Claims and Policies Database (NCPD).","sortOrder":2},{"sectionNumber":"Application","sectionType":"part","heading":"Application","content":"## Application\n\n3. This Reporting Standard applies to insurers.","sortOrder":3},{"sectionNumber":"Commencement","sectionType":"part","heading":"Commencement","content":"## Commencement\n\n4. This Reporting Standard applies for reporting periods ending on or after 31 December 2021.","sortOrder":4},{"sectionNumber":"Information required","sectionType":"part","heading":"Information required","content":"## Information required\n\n5. An insurer must provide APRA with the information required by GRF 800.3 in respect of each reporting period and each reportable facility business in respect of which the insurer is on risk during the reporting period.","sortOrder":5},{"sectionNumber":"Reporting periods and due dates","sectionType":"part","heading":"Reporting periods and due dates","content":"## Reporting periods and due dates\n\n6. Subject to paragraph 7 of this Reporting Standard, an insurer to which this Reporting Standard applies must provide the information required by this Reporting Standard in respect of each calendar half-year (i.e. the periods ending 30 June and 31 December each year).\n\n7. APRA may, by notice in writing, change the reporting periods, or specify reporting periods, for a particular insurer to require it to provide the information required by this Reporting Standard more frequently, or less frequently, or in respect of reporting periods based upon the insurer’s own accounting financial year, having regard to:\n\n(a) the particular circumstances of the insurer; and\n\n(b) the extent to which the information is required for the purposes of the prudential supervision of the insurer.\n\n8. The information required by this Reporting Standard must be provided to APRA:\n\n(a) in the case of half-yearly information, by no later than four months after the end of the reporting period; or\n\n(b) in the case of information provided in accordance with paragraph 7, within the time specified by notice in writing,\n\nor such later time as APRA may determine in writing. APRA may determine a later time in writing in relation to all insurers, or a class of insurers, or one or more insurers named in the determination.","sortOrder":6},{"sectionNumber":"Method of submission","sectionType":"part","heading":"Method of submission","content":"## Method of submission\n\n9. The information required by this Reporting Standard must be rendered in comma separated values (CSV) format in accordance with the instructions in GRF 800.3, and must be provided electronically through the web site [www.ncpd.apra.gov.au,](http://www.ncpd.apra.gov.au/) by logging on using the relevant customer identification number and password provided by Fujitsu Australia (as agent of APRA), and following the instructions on that web site.\n\n10. Despite paragraph 9, APRA may, in writing, make either or both of the following determinations:\n\n(a) a determination that information required by this Reporting Standard must be provided in accordance with alternative information technology requirements specified by APRA in the determination; and\n\n(b) a determination that information required by this Reporting Standard must be provided to APRA or an agent of APRA at an alternative address in accordance with requirements specified in the determination.","sortOrder":7},{"sectionNumber":"Quality control","sectionType":"part","heading":"Quality control","content":"## Quality control\n\n11. The information provided by an insurer under this Reporting Standard must be the product of processes and controls developed by the insurer for the internal review and authorisation of the information. It is the responsibility of the board and senior management of the insurer to ensure that an appropriate set of policies and procedures for the authorisation of data provided to APRA is in place.","sortOrder":8},{"sectionNumber":"Authorisation","sectionType":"part","heading":"Authorisation","content":"## Authorisation\n\n12. Fujitsu Australia (as agent of APRA) will provide each insurer with a customer identification number. If an insurer proposes to submit information required by this Reporting Standard using the method in paragraph 9 (i.e. via the website), the insurer must apply for a password by viewing the web page referred to in paragraph 9, quoting the insurer’s customer identification number and following the instructions for applying for a password on that page. Fujitsu Australia will advise the insurer’s Chief Financial Officer of the password for the insurer. When information is provided using the method in paragraph 9, the insurer will be required to quote its customer identification number and password. Upon successful validation of the customer identification and password a secure session between the insurer and Fujitsu Australia will be created and information will be encrypted before transmission.\n\n13. Despite paragraph 12, or where APRA has made a determination under subparagraphs 10(a) or (b) specifying an alternate method of submission, APRA may also determine in writing that:\n\n(a) a specified person (who need not be the Principal Executive Officer or Chief Financial Officer of the insurer);\n\n(b) a person holding a specified position (which need not be the position of Principal Executive Officer or Chief Financial Officer of the insurer); or\n\n(c) a person authorised by the insurer to use the insurer’s customer identification number and password,\n\nmay, or must, authorise (in a manner specified) information provided by the insurer under this Reporting Standard.","sortOrder":9},{"sectionNumber":"Minor alterations to forms and instructi","sectionType":"part","heading":"Minor alterations to forms and instructions","content":"## Minor alterations to forms and instructions\n\n14. APRA may:\n\n(a) make minor variations to GRF 800.3 (either generally, or in relation to a class of insurers, or in relation to a particular insurer) to correct technical, programming or logical errors, inconsistencies or anomalies;\n\n(b) vary, omit or substitute (either generally, or in relation to a class of insurers, or in relation to a particular insurer) an occupation code or description in Appendix A to GRF 800.3, if APRA forms the view that the existing code or description is inappropriate having regard to the circumstances or business of each relevant insurer and any other relevant considerations; or\n\n(c) vary, omit or substitute (either generally, or in relation to a class of insurers, or in relation to a particular insurer) a specification in a Table in GRF 800.3, if APRA forms the view that the specification is inappropriate having regard to the circumstances or business of each relevant insurer and any other relevant considerations.\n\n15. If APRA makes such a variation it must notify affected insurers in writing.","sortOrder":10},{"sectionNumber":"Interpretation","sectionType":"part","heading":"Interpretation","content":"## Interpretation\n\n16. In this Reporting Standard:\n\nagent of APRA means a person appointed under s 47 of the Australian Prudential Regulation Authority Act 1998 to receive data on behalf of APRA.\n\nAPRA means the Australian Prudential Regulation Authority established under the Australian Prudential Regulation Authority Act 1998.\n\nChief Financial Officer means the person having the function of chief financial officer of the insurer, by whatever name called, and whether or not he or she is a member of the governing board of the entity, and if there is no such person means a person who performs similar functions to those commonly performed by a chief financial officer.\n\nfacility business means business that is closed by bordereau and for which the insurer does not receive individual policy or claims data from the facility manager, and includes business undertaken through an underwriting pool or joint venture arrangement.\n\nFujitsu Australia means Fujitsu Australia Limited ABN 19 001 011 427.\n\ngeneral insurer has the same meaning as in the Insurance Act 1973.\n\ninsurer means general insurer.\n\nPrincipal Executive Officer means the principal executive officer of the insurer for the time being, by whatever name called, and whether or not he or she is a member of the governing board of the entity.\n\nproduct liability insurance includes policies that provide for compensation for loss and or injury caused by, or as a result of, the use of goods.\n\nprofessional indemnity insurance includes:\n\n(a) insurance that provides cover for a professional for actions taken against that professional in tort, contract or under statute law in respect of advice or services provided as part of their professional practice, including cover in respect of damages and legal expenses;\n\n(b) directors’ and officers’ liability insurance and legal expense insurance; and\n\n(c) medical indemnity insurance.\n\npublic liability insurance includes:\n\n(a) insurance covering legal liability to the public in respect of bodily injury or property damage arising out of the operation of the insured’s business; and\n\n(b) insurance in respect of environmental clean-up costs resulting from pollution where not covered by Fire and Industrial Special Risk policies.\n\nreportable facility business means facility business underwritten by an insurer on or after 1 January 2003 under which the risk, or a risk, assumed by the insurer relates to product liability, professional indemnity or public liability insurance, not being a risk that relates to:\n\n(a) reinsurance or retrocession cover;\n\n(b) marine insurance;\n\n(c) domestic householder’s or owner’s insurance, or tenant’s liability insurance, sold in conjunction with a building or contents policy; or\n\n(d) an event that could neither occur in Australia nor in relation to an insured resident of Australia.\n\n17. For the purposes of paragraph 8, where information must be provided no later than a particular date, an insurer is required to ensure that the information is received by the person to whom it must be provided (whether APRA or an agent of APRA) no later than that date.\n\n18. Unless the contrary intention appears, any reference to an Act, Regulation, Prudential Standard, Reporting Standard, Australian Accounting Standard or Auditing Standard is a reference to the instrument as in force or existing from time to time.\n\n19. Where this Reporting Standard provides for APRA to exercise a power or discretion, this power or discretion is to be exercised in writing.","sortOrder":11},{"sectionNumber":"Reporting Form GRF 800.3","sectionType":"part","heading":"Reporting Form GRF 800.3","content":"# Reporting Form GRF 800.3\n\nFacility Business Data: Public and Product Liability and Professional Indemnity Insurance","sortOrder":12},{"sectionNumber":"Instruction Guide","sectionType":"part","heading":"Instruction Guide","content":"# Instruction Guide\n\nThese instructions have been prepared for the purpose of defining the facility business information required to be submitted by insurers in respect of public and product liability and professional indemnity insurance. This information will contribute to a National Claims and Policy Database (NCPD) in respect of these classes of insurance. The intention is to create a database that holds information in respect of claims and policies for public and product liability and professional indemnity on a national basis. State and Territory Government insurers will also contribute to the NCPD where possible.[\\[1\\]](#_ftn1)\n\nDetails of requirements in relation to reporting periods, method of submission and authorisation are set out in the Reporting Standard. The data submitted by each insurer will be validated by APRA at each reporting period. The data validation to be performed is outlined in Appendix B.","sortOrder":13},{"sectionNumber":"Record Layouts and Field Specifications","sectionType":"part","heading":"Record Layouts and Field Specifications","content":"# Reporting Form GRF 800.3\n\nFacility Business Data: Public and Product Liability and Professional Indemnity Insurance\n\n# Instruction Guide\n\nThese instructions have been prepared for the purpose of defining the facility business information required to be submitted by insurers in respect of public and product liability and professional indemnity insurance. This information will contribute to a National Claims and Policy Database (NCPD) in respect of these classes of insurance. The intention is to create a database that holds information in respect of claims and policies for public and product liability and professional indemnity on a national basis. State and Territory Government insurers will also contribute to the NCPD where possible.[\\[1\\]](#_ftn1)\n\nDetails of requirements in relation to reporting periods, method of submission and authorisation are set out in the Reporting Standard. The data submitted by each insurer will be validated by APRA at each reporting period. The data validation to be performed is outlined in Appendix B.\n\n# Record Layouts and Field Specifications\n\n## Facility Business Data Specifications\n\n| FacilityData | Data Item | Facility Business | Field type |\n| ------------ | ----------------------------------------- | ----------------- | ---------- |\n| 1* | Insurer Code | M | 6a |\n| 2* | Month of end of Reporting periods | M | 8n |\n| 3* | Facility Identifier | M | 30a/n |\n| 4 | Industry/Occupation Code | M | 6a or 4n |\n| 5* | Class of Business | M | 2a |\n| 6* | Runoff Indicator | M | 1a |\n| 7 | Insurer’s Percentage of Facility | M | 6n |\n| 8 | Number of Policies | O | 6n |\n| 9 | Premium Received for Reporting periods | M | 12n |\n| 10 | Number of Claims | O | 6n |\n| 11 | Gross Payments Made for Reporting periods | M | 12n |\n\nDate must be DDMMYYYY, no delimiter.\n\n\\* Fields so indicated, as a combination, must be unique for each reporting period.\n\nFacility Business Record Data Field Definitions\n\n## 1\\. Insurer Code\n\nA unique code assigned by APRA to each contributor\n\n## 2\\. Month of end of Reporting periods\n\nThe data for each submission will relate to a six month period. Enter as DDMMYYYY the last day of the period being reported, e.g. insert 30062004 for data relating to the six months ending 30 June 2004.\n\n## 3\\. Facility Identifier\n\nA unique identifier for each facility where the insurer has received in excess of $100,000 in premium or made gross payments in excess of $100,000, for each respective six month period. Facilities where the insurer has received less than $100,000 in premium or made gross payments of less than $100,000 in the six month period are to be included as one record with the identifier “Other”. If a facility was previously reported separately, but now falls below the $100,000 threshold, it can now be reported as part of the “Other” data.\n\n## 4\\. Industry/Occupation Code\n\nFor Public and Products Liability, use the principal classification of the business from the latest edition of Catalogue Number 1292.0 Australian and New Zealand Standard Industrial Classification (ANZSIC), published by the Australian Bureau of Statistics and available on their web site. Provide data at the 4-digit ANZSIC code level. Any reports or publications will be aggregated to the 2 digit level ANZSIC.\n\nResidential strata owners’ liability is collected under ANZSIC classification 7711 - Residential Property Operators, whereas for Commercial Property Operators it is either 7712 or the occupation code that is most closely aligned with the tenancy of the strata.\n\nFor Professional Risks, use the codes provided in Attachment B.\n\nOccupation code “OMULTI” and code “0000” (for ANZIIC codes) should only be used for Facility Business data where a facility covers multiple industry or occupation codes, no single code can be regarded as the principal industry or occupation code and hence it is not possible or appropriate to use one of the more specific codes.\n\n## 5\\. Class of Business\n\n• PL = Public & Product\n\n• PI = Professional Risk\n\n## 6\\. Runoff Indicator\n\n• Y = Yes\n\n• N = No\n\n## 7\\. Insurer’s Percentage of Facility\n\nYour proportion of the facility, to 2 decimal places (e.g. 66.66 for 66.66%).\n\nBlank on “Other” facilities records.\n\n## 8\\. Number of Policies\n\nThe total numbers of policies covered by this facility, if available or else provide a “blank”.\n\n## 9\\. Premium Received for Reporting periods\n\n(Your share of) the gross premium from this facility during the half year. Exclude all statutory charges (FSL, GST & SD) but include others costs (commissions).\n\n## 10\\. Number of Claims\n\nThe total numbers of claims covered by this facility for which payments have been reported in item 9 below, if available or else provide a “blank”.\n\n## 11\\. Gross Payments Made in Reporting periods\n\n(Your share of) of payments made for this facility since the last reporting period, net of GST in whole dollars, no decimal point. Includes payments made to claimant and to third-party service providers (medical, legal, investigation) that are attributed to the claim.\n\n \n\n# Appendix A: APRA Occupation Codes for Professional Indemnity\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------- |\n| A | Financial Miscellaneous occupations |\n| AABANK | Bank |\n| AACCNT | Accountancy – Other |\n| AACINS | Accountancy - Insolv & Aquis |\n| AACMAN | Accountancy - Management Service |\n| AACTAX | Accountancy - Taxation |\n| AACTUA | Actuarial |\n| AAUDIT | Accountancy - Audit |\n| ABLDSO | Building Society |\n| ABOOKP | Bookkeeping |\n| ABSCON | IT Business Systems |\n| ABUSBR | Business Brokers |\n| ACHCON | Hardware Engineering/Sec/Sales |\n| ACLHOU | Clearing House |\n| ACMBRK | Commodity & Futures Broking |\n| AFBDEA | Futures Broker/Dealer |\n| ACMCON | Computer Consultants |\n| ACOMAU | Computer Systems Auditor |\n| ACOMPR | Computer Programmer |\n| ACOMSB | Computer Service Bureau |\n| ACRMAN | Credit Management Services |\n| ACRUNI | Credit Union |\n| ACTCON | IT Education & training |\n| ACUSTO | Custodian |\n| ACWCON | Web Design |\n| ADBTCL | Debt Collection & Mercantile Agents |\n| AFINCO | Financial Counsellors |\n| AFNADV | Finance Adviser |\n| AFNBRK | Finance Broking |\n| AFNMGR | Financial Risk Management |\n| AFPCON | Financial Planning Consultancy |\n| AFRANC | Franchisor |\n| AFRIEN | Friendly Society |\n| AFUNDM | Fund Manager |\n| AINCON | Investment Consultancy |\n| AINDEA | Licenced Security Dealer |\n| AINSUR | Insurance Company |\n| AMANIN | Managed Investment Scheme |\n| AMERBA | Merchant Bank |\n| AMORBR | Mortgage Broker |\n| AMORMA | Mortgage Manager |\n| AMOROR | Mortgage Originator |\n| APFCON | Financial Planners |\n| ASTBRK | Stock & Share Broking |\n| ASUPAD | Superannuation fund administrator |\n| ASUPTR | Superannuation Trustee |\n| ATAXAG | Taxation Agency |\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------------------- |\n| ATSTCO | Trustee & Executor Company |\n| ATSTSU | Trustee Services |\n| B | General Consultants - Miscellaneous occupations |\n| BAGCON | Air Cargo Consultancy |\n| BARCON | Air Pollution Consultancy |\n| BAVCON | Aviation Consultancy |\n| BCMCON | Communication (PR) Consultancy |\n| BCNCON | Corrosion Consultancy |\n| BCONCO | Convention Coordinator |\n| BCRIMI | Criminologist |\n| BECONO | Economist |\n| BENCON | Environment & Pollution Consultancy |\n| BEVMAN | Event Managers & Co-Ordinators |\n| BFOCON | Forestry Services & Consultancy |\n| BFOODC | Food Consultant |\n| BHRCON | Human Resource Consulting |\n| BIRCON | Industrial Relations Consultant |\n| BLTCON | Telecommunication Consultants |\n| BMANAG | Management Consultancy |\n| BMELON | Meteorological Consultancy |\n| BMGCON | Migration Consultancy |\n| BMHCON | Materials Handling Consultancy |\n| BMNCON | Marine Consultancy |\n| BMOCON | Marketing Consultancy |\n| BMRCON | Market Research Consultancy |\n| BMTCON | Materials Testing Consultancy |\n| BNTCON | Natural Resource Consultancy |\n| BOCCON | Oceanographic Consultancy |\n| BODCON | Odour pollution Consultancy |\n| BPCCON | Pest Control Consultancy |\n| BPNCON | Personnel Consultancy |\n| BPRCON | Public Relations Consultancy |\n| BQUALC | Quality Assurance Consultant |\n| BRSCON | Research Industry & Scientific |\n| BSECON | Security Consultancy |\n| BSOCIO | Sociologist |\n| BSOCON | Solar Energy Consultancy |\n| BTACON | Travel Agency &/or Consultancy |\n| BTCCON | Technical Consultancy |\n| BTESTS | Inspection & Testing Services |\n| BTLCON | Telecommunication Consultants |\n| BTOCON | Tourism Consultancy |\n| BTOOPP | Tour Operator |\n| BTPCON | Transportation Consultancy |\n| BTRANS | Translator / Interpreter |\n| BTTCON | Textile Consultancy |\n| BWCCON | Water Conservation Consultancy |\n| BWNCON | Wine Industry Consultancy |\n| BWPCON | Water Pollution Consultancy |\n| C | Medical & Paramedical Miscellaneous occupations |\n| CACUPT | Acupuncturists |\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------- |\n| CALCON | Allergy and asthma consultant |\n| CALTHE | Alternative health services |\n| CANAGE | Anaesthetics - general |\n| CANAIC | Anaesthetics-intensive care |\n| CAUDIO | Audiologist |\n| CAUDIM | Audiometrist |\n| CCARDI | Cardiology |\n| CCARTH | Cardio-thoracic surgery |\n| CCHILD | Child Care Centre |\n| CCHIRP | Chiropodists |\n| CCHIRO | Chiropractics |\n| CCLCGN | Clinical genetics |\n| CCLCHA | Clinical haematology |\n| CCLCIM | Clinical immunology |\n| CCLCPH | Clinical pharmacology |\n| CCOLSU | Colorectal surgery |\n| CCOSSU | Cosmetic surgery |\n| CDENTI | Dentistry - oral surgery |\n| CDENTO | Dentistry -other |\n| CDERMI | Dermatology |\n| CRADOL | Diagnostic radiology |\n| CRADOG | Diagnostic radiology - Practitioner |\n| CDIETI | Dietician |\n| CDGALC | Drug and alcohol counselling |\n| CENTHR | Ear, nose and throat (ENT) |\n| CEMERG | Emergency medicine |\n| CENDOC | Endocrinology |\n| CENDOS | Endoscopy |\n| CFAMSU | Facio-Maxillary surgery |\n| CGASTR | Gastroenterology |\n| CGENME | General and internal medicine |\n| CGENPN | General practice - no procedure |\n| CGENPY | General Practice - procedural |\n| CGENSU | General Surgery |\n| CGERIA | Geriatrics |\n| CGYNAE | Gynaecology only |\n| CHOSTL | Hostel |\n| CHYGCO | Hygiene consultant |\n| CINFDS | Infectious diseases |\n| CINTCR | Intensive care |\n| CMEDON | Medical oncology |\n| CMIDWI | Midwifery |\n| CNATUR | Naturopaths |\n| CNEONA | Neonatology |\n| CNEURO | Neurology |\n| CNEUSU | Neurosurgery |\n| CNUCLR | Nuclear Medicine |\n| CNURSS | Nursing -general |\n| CNURSE | Nursing—nurse practitioner |\n| CNUTRI | Nutrition |\n| COBSGY | Obstetrics & Gynaecology |\n\n| CODE | Occupation Description |\n| ------ | ---------------------------------------------- |\n| COBSTO | Obstetrics only |\n| COCTHE | Occupational medicine |\n| COHSCO | OHS Practitioner |\n| COPTHA | Ophthalmology |\n| COPTOM | Optometrist |\n| CORALM | Oral surgery—medical |\n| CORTSU | Orthopaedic surgery |\n| COSTEO | Osteopathy |\n| COTHER | Other hospital-based medical practitioner |\n| CPAEDM | Paediatric medicine |\n| CPAEDS | Paediatric surgery |\n| CAMBOF | Paramedical and ambulance staff |\n| CPATHO | Pathology |\n| CPCHEM | Pharmacy |\n| CPHOSP | Hospital |\n| CPHYSI | Physiotherapy |\n| CPLAST | Plastic surgery |\n| CPNHOM | Nursing Home |\n| CPODTS | Podiatry |\n| CPSYCH | Psychiatry |\n| CPSYCO | Psychology |\n| CPHPRM | Public health/preventive medicine |\n| CREHSV | Rehabilitation medicine |\n| CRENAL | Renal medicine |\n| CRESPC | Respite Care Services |\n| CRESPM | Respiratory medicine |\n| CRETIR | Retirement Village |\n| CRHEUM | Rheumatology |\n| CSONOG | Sonographer |\n| CSPEEC | Speech Pathologists |\n| CSPTHE | Speech therapist |\n| CSPINE | Spinal surgery |\n| CSPORT | Sports medicine |\n| CTHMAS | Therapeutic Masseur |\n| CRADTH | Therapeutic radiology |\n| CTHORA | Thoracic medicine |\n| CUROLO | Urology |\n| CVASCU | Vascular surgery |\n| D | Legal & Para Legal - Miscellaneous occupations |\n| DBARIS | Barristers |\n| DCONSV | Conveyancing Services |\n| DJPEAC | Justice of the Peace |\n| DLGLCS | Legal Costing Services |\n| DLNDBR | Land Broking |\n| DMARCE | Marriage Celebrant |\n| DPATNT | Patent Attorneys |\n| DPRSER | Process Servers |\n| DPTTMA | Patent & Trade Mark Attorney |\n| DSHARR | Share Registry |\n| DSOLIC | Solicitors |\n| DTITLE | Title Searching |\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------------------------- |\n| DTMCON | Trademark Development &/or Investment |\n| E | Real Estate Miscellaneous occupations |\n| EANVAL | Valuer - fine art |\n| EAUCTN | Auctioneering |\n| EBDCOR | Body Corporate Management Services |\n| EHOTBR | Hotel & Motel Broking |\n| ELECON | Electrical Contracting |\n| EMTCON | Motel Management Consultancy |\n| EPTCON | Property Consultants |\n| EPTRPT | Property & Inspection Reports |\n| EREACT | Real Estate Agency- Commercial |\n| EREAGT | Real Estate Agency- Domestic |\n| EREAHT | Real Estate Agency- Hotels |\n| EREAIT | Real Estate Agency- Industrial |\n| EREAPM | Property Management Services |\n| EREVAL | Real Estate Agent & Valuations |\n| ESTMGR | Strata Title Management |\n| F | Agricultural, Horticultural miscellaneous occupations |\n| FAGCON | Agricultural Consultancy |\n| FAGRON | Agronomy |\n| FANBRE | Animal Breeders |\n| FAQCON | Aquaculture Consultants |\n| FARTBD | Artificial Breeding Services |\n| FBSKAG | Bloodstock Agency |\n| FEXPLS | Export Livestock Veterinary Consultant |\n| FFMADV | Farm Management Advisory Service |\n| FFMCON | Farm & Agricultural Consultant |\n| FHTCON | Horticultural Consultancy |\n| FMOROR | Mortgage Originator |\n| FPPORG | Primary Production Organisation |\n| FSSAGT | Stock & Station Agency |\n| FVALUR | Valuer - real estate |\n| FVETBS | Veterinary Surgeons Bloodstock |\n| FVETEQ | Veterinary Surgeons- Equine |\n| FVETGH | Veterinary Surgeons- Greyhound |\n| FVETLS | Veterinary Surgeon Livestock |\n| FVETSM | Veterinary Surgeons-Small/Pets |\n| FVTLAB | Veterinary Laboratories |\n| FWLBRK | Wool Broking |\n| G | Schools, Colleges - Miscellaneous occupations |\n| GBALSH | Ballet School & Dance Tuition |\n| GCUBAS | Scuba Diving Instruction - COMMERCIAL |\n| GEDCON | Education Consultancy |\n| GKINDA | Kindergartens |\n| GPSCHL | Private School |\n| GSCHOL | Primary Schools |\n| GSCUBA | Scuba Diving Instructor - recreational |\n| GSECOL | Secondary Schools/Colleges |\n| GTEACH | Teacher |\n| GTRCON | Training & Development Consultants |\n| GUNVER | Universities |\n\n| CODE | Occupation Description |\n| ------ | ------------------------------------------------------- |\n| H | Insurance - miscellaneous occupations |\n| HARGEN | Authorised Representatives (general insurance products) |\n| HARLIF | Authorised Representatives (life insurance products) |\n| HININV | Insurance Investigation |\n| HINSAG | Insurance Agency |\n| HINSBK | Insurance Broking |\n| HINSLA | Insurance Assessors & Loss Adjusters |\n| HINSUR | Insurance Surveyor |\n| HLASAG | Life Assurance Agents |\n| HLOSSA | Loss Assessor |\n| HLSCON | Loss Control & Management Control |\n| HRMCON | Risk Management Consultants |\n| HUWAGT | Underwriting Agent |\n| I | Local Government - Miscellaneous occupations |\n| IADVOR | Govt. Advisory Organization |\n| ILGTAT | Local Government Authority |\n| IMUNCL | Municipal / Shire Councils |\n| J | Miscellaneous occupations |\n| JADVAG | Advertising Agency |\n| JANTHE | Anthropologist |\n| JARBIT | Mediation & Arbitration |\n| JARCHE | Archaeology |\n| JBEAUT | Beauty Therapy |\n| JBTBKR | Boat & Yacht Broking |\n| JBTDES | Boat & Yacht Designing |\n| JCARGO | Cargo & Marine Surveying |\n| JCMADV | Community Advice Centres |\n| JCOACH | Sports Coach |\n| JCOASS | Association - Community |\n| JCOURI | Courier Service |\n| JCSFAG | Customs Shipping & Forwarding |\n| JCUSTA | Customs Agency |\n| JDIASS | Association - Disability |\n| JDIVSE | Diving Services |\n| JENASS | Association - Environmental |\n| JFAMWL | Family Welfare Organization |\n| JFUNRL | Funeral Directing |\n| JGPDES | Graphic design |\n| JINVES | Investigators |\n| JMARRC | Marriage, Family, Personal Councillor |\n| JMNENG | Marine Engineers |\n| JMNSUR | Marine Surveying |\n| JNVARC | Naval Architecture |\n| JPHOTO | Photographer / Cameraman |\n| JPIDES | Product & Industrial Design |\n| JPRASS | Association - Professional |\n| JRELIG | Religious Organisation |\n| JRESER | Research & Development Corp |\n| JSECRE | Secretariat Services |\n| JSHPCH | Ship & Boat Chandelling |\n| JSPASS | Association - Sporting |\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------------------------------- |\n| JTDASS | Association - Trade |\n| JTECHW | Technical Writers |\n| JTELAN | Telephone Answering / telemarketing |\n| JTRAUN | Trade Union |\n| JWEASS | Association - Welfare |\n| JWTCON | Writers Consultant &/or Service |\n| K | Architects Miscellaneous occupations |\n| KACHTS | Architects |\n| KARCDR | Architectural Draughtspersons |\n| KINTDE | Interior Designers & Fit out Consultant |\n| KLACHS | Landscape Architecture |\n| KLACTP | Town Planning |\n| KPLUMB | Plumbing Consultants |\n| L | Engineering - miscellaneous occupations |\n| LACENG | Engineer – acoustic |\n| LAEENG | Engineer – aeronautical |\n| LAGENG | Engineer – agricultural |\n| LBCERT | Building Certifiers |\n| LBHENG | Building Hydraulic Design Engineer |\n| LBIENG | Engineer – biomedical |\n| LBINSP | Building Inspectors |\n| LBLCON | Building Consultants |\n| LBLDES | Building Designer |\n| LBLDIN | Building Inspector - Victorian Building Act activities only |\n| LCHENG | Engineer – chemical |\n| LCHSCI | Chemical Scientist |\n| LCIENG | Engineer – civil |\n| LCONMG | Construction Management |\n| LCONTE | Concrete Testing & Investigation |\n| LDSCON | Drainage Sewerage & Water Supplies |\n| LELENG | Engineer – electrical |\n| LELINS | Electrical Inspectors |\n| LENAUD | Environmental Auditor |\n| LENGDT | Engineering Draftspersons |\n| LENVEN | Engineer – environmental |\n| LETENG | Engineer – electronic |\n| LFPENG | Engineer - fire protection / safety |\n| LFSENG | Foundation & Structural Engineer |\n| LGEEON | Engineer - geo-technical - soil testing |\n| LGEOLO | Engineer – geological |\n| LHAENG | Engineer – harbour |\n| LHDENG | Hydro Electric Engineering |\n| LHMENG | Materials Handling, Process Engineer |\n| LHVENG | Heating/Ventilation/Air-Con |\n| LHYENG | Engineer – hydraulic |\n| LMAENG | Engineer – marine |\n| LMCENG | Engineer – Metallurgical |\n| LMEENG | Engineer – Mechanical |\n| LMIENG | Engineer - mining / minerals processing |\n| LNDCST | Non Destructive Testing Consul |\n| LPCCST | Petrochem,Chemical,Natural Gas,Env Con |\n| CODE | Occupation Description |\n| LPEENG | Power & Energy Engineering |\n| LPREIN | Pre-purchase Inspection Services |\n| LPRMGR | Project Managers |\n| LRFENG | Engineer – Refrigeration |\n| LSFENG | Safety Engineering |\n| LSTENG | Engineer – structural |\n| LTELEC | Engineer – telecommunications |\n| LTNPNR | Town Planners |\n| LTRENG | Engineer – Traffic |\n| LWASTE | Waste Management Consultants |\n| LWWENG | Engineer - water treatment / sewage |\n| M | Surveying Miscellaneous |\n| MBLSUV | Building Surveyor |\n| MCARTO | Cartographer |\n| MCMSUV | Surveyors - Cargo and/or Marine |\n| MCOSTE | Cost Estimators |\n| MHYSUV | Surveyors – Hydrographic |\n| MLDSUV | Land Surveyors |\n| MQTSUV | Surveyor – quantity |\n| MSUREN | Surveyor – Engineering |\n| MSURMI | Surveyor – Mining |\n| N | Defamation – misc |\n| NFPROD | Film Producer |\n| NJOURN | Journalist |\n| NPUBLI | Publishers |\n| NRADIO | Radio Broadcasters |\n| NTVBRO | Televisions Broadcasters |\n| O | Multiple Occupations |\n| OMULTI | Multiple Occupations* |\n\n\\* Only available for facility business.\n\n \n\n# Appendix B: Data Validation\n\nAs well as unit record validation, overall reasonability checks will be carried out on each insurer’s data.\n\n## With each half-yearly data submission\n\nVarious comparisons between the current reporting period and the previous period will be carried out in order to monitor data reasonability and consistency. These may include:\n\n• Change in the aggregate Gross Earned Premium, split by two digit ANZSIC code or single character occupation code;\n\n• Changes in the total numbers of policies and claims;\n\n• Counts of claims by various measures; causes of loss, severity or litigation status; and\n\n• Changes in the average and total claims paid.\n\nAs well, various reasonability checks will be carried out within each period submission, including;\n\n• Overuse of the various ‘Other’ categories and codes; and\n\n• Comparison of the various premium fields against each other.\n\nOther reasonability checks may be carried out on an ad hoc basis.","sortOrder":14},{"sectionNumber":"Facility Business Data Specifications","sectionType":"part","heading":"Facility Business Data Specifications","content":"## Facility Business Data Specifications\n\n| FacilityData | Data Item | Facility Business | Field type |\n| ------------ | ----------------------------------------- | ----------------- | ---------- |\n| 1* | Insurer Code | M | 6a |\n| 2* | Month of end of Reporting periods | M | 8n |\n| 3* | Facility Identifier | M | 30a/n |\n| 4 | Industry/Occupation Code | M | 6a or 4n |\n| 5* | Class of Business | M | 2a |\n| 6* | Runoff Indicator | M | 1a |\n| 7 | Insurer’s Percentage of Facility | M | 6n |\n| 8 | Number of Policies | O | 6n |\n| 9 | Premium Received for Reporting periods | M | 12n |\n| 10 | Number of Claims | O | 6n |\n| 11 | Gross Payments Made for Reporting periods | M | 12n |\n\nDate must be DDMMYYYY, no delimiter.\n\n\\* Fields so indicated, as a combination, must be unique for each reporting period.\n\nFacility Business Record Data Field Definitions","sortOrder":15},{"sectionNumber":"1. Insurer Code","sectionType":"part","heading":"1. Insurer Code","content":"## 1\\. Insurer Code\n\nA unique code assigned by APRA to each contributor","sortOrder":16},{"sectionNumber":"2. Month of end of Reporting periods","sectionType":"part","heading":"2. Month of end of Reporting periods","content":"## 2\\. Month of end of Reporting periods\n\nThe data for each submission will relate to a six month period. Enter as DDMMYYYY the last day of the period being reported, e.g. insert 30062004 for data relating to the six months ending 30 June 2004.","sortOrder":17},{"sectionNumber":"3. Facility Identifier","sectionType":"part","heading":"3. Facility Identifier","content":"## 3\\. Facility Identifier\n\nA unique identifier for each facility where the insurer has received in excess of $100,000 in premium or made gross payments in excess of $100,000, for each respective six month period. Facilities where the insurer has received less than $100,000 in premium or made gross payments of less than $100,000 in the six month period are to be included as one record with the identifier “Other”. If a facility was previously reported separately, but now falls below the $100,000 threshold, it can now be reported as part of the “Other” data.","sortOrder":18},{"sectionNumber":"4. Industry/Occupation Code","sectionType":"part","heading":"4. Industry/Occupation Code","content":"## 4\\. Industry/Occupation Code\n\nFor Public and Products Liability, use the principal classification of the business from the latest edition of Catalogue Number 1292.0 Australian and New Zealand Standard Industrial Classification (ANZSIC), published by the Australian Bureau of Statistics and available on their web site. Provide data at the 4-digit ANZSIC code level. Any reports or publications will be aggregated to the 2 digit level ANZSIC.\n\nResidential strata owners’ liability is collected under ANZSIC classification 7711 - Residential Property Operators, whereas for Commercial Property Operators it is either 7712 or the occupation code that is most closely aligned with the tenancy of the strata.\n\nFor Professional Risks, use the codes provided in Attachment B.\n\nOccupation code “OMULTI” and code “0000” (for ANZIIC codes) should only be used for Facility Business data where a facility covers multiple industry or occupation codes, no single code can be regarded as the principal industry or occupation code and hence it is not possible or appropriate to use one of the more specific codes.","sortOrder":19},{"sectionNumber":"5. Class of Business","sectionType":"part","heading":"5. Class of Business","content":"## 5\\. Class of Business\n\n• PL = Public & Product\n\n• PI = Professional Risk","sortOrder":20},{"sectionNumber":"6. Runoff Indicator","sectionType":"part","heading":"6. Runoff Indicator","content":"## 6\\. Runoff Indicator\n\n• Y = Yes\n\n• N = No","sortOrder":21},{"sectionNumber":"7. Insurer’s Percentage of Facility","sectionType":"part","heading":"7. Insurer’s Percentage of Facility","content":"## 7\\. Insurer’s Percentage of Facility\n\nYour proportion of the facility, to 2 decimal places (e.g. 66.66 for 66.66%).\n\nBlank on “Other” facilities records.","sortOrder":22},{"sectionNumber":"8. Number of Policies","sectionType":"part","heading":"8. Number of Policies","content":"## 8\\. Number of Policies\n\nThe total numbers of policies covered by this facility, if available or else provide a “blank”.","sortOrder":23},{"sectionNumber":"9. Premium Received for Reporting period","sectionType":"part","heading":"9. Premium Received for Reporting periods","content":"## 9\\. Premium Received for Reporting periods\n\n(Your share of) the gross premium from this facility during the half year. Exclude all statutory charges (FSL, GST & SD) but include others costs (commissions).","sortOrder":24},{"sectionNumber":"10. Number of Claims","sectionType":"part","heading":"10. Number of Claims","content":"## 10\\. Number of Claims\n\nThe total numbers of claims covered by this facility for which payments have been reported in item 9 below, if available or else provide a “blank”.","sortOrder":25},{"sectionNumber":"11. Gross Payments Made in Reporting per","sectionType":"part","heading":"11. Gross Payments Made in Reporting periods","content":"## 11\\. Gross Payments Made in Reporting periods\n\n(Your share of) of payments made for this facility since the last reporting period, net of GST in whole dollars, no decimal point. Includes payments made to claimant and to third-party service providers (medical, legal, investigation) that are attributed to the claim.","sortOrder":26},{"sectionNumber":"Appendix A: APRA Occupation Codes for Pr","sectionType":"part","heading":"Appendix A: APRA Occupation Codes for Professional Indemnity","content":"# Appendix A: APRA Occupation Codes for Professional Indemnity\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------- |\n| A | Financial Miscellaneous occupations |\n| AABANK | Bank |\n| AACCNT | Accountancy – Other |\n| AACINS | Accountancy - Insolv & Aquis |\n| AACMAN | Accountancy - Management Service |\n| AACTAX | Accountancy - Taxation |\n| AACTUA | Actuarial |\n| AAUDIT | Accountancy - Audit |\n| ABLDSO | Building Society |\n| ABOOKP | Bookkeeping |\n| ABSCON | IT Business Systems |\n| ABUSBR | Business Brokers |\n| ACHCON | Hardware Engineering/Sec/Sales |\n| ACLHOU | Clearing House |\n| ACMBRK | Commodity & Futures Broking |\n| AFBDEA | Futures Broker/Dealer |\n| ACMCON | Computer Consultants |\n| ACOMAU | Computer Systems Auditor |\n| ACOMPR | Computer Programmer |\n| ACOMSB | Computer Service Bureau |\n| ACRMAN | Credit Management Services |\n| ACRUNI | Credit Union |\n| ACTCON | IT Education & training |\n| ACUSTO | Custodian |\n| ACWCON | Web Design |\n| ADBTCL | Debt Collection & Mercantile Agents |\n| AFINCO | Financial Counsellors |\n| AFNADV | Finance Adviser |\n| AFNBRK | Finance Broking |\n| AFNMGR | Financial Risk Management |\n| AFPCON | Financial Planning Consultancy |\n| AFRANC | Franchisor |\n| AFRIEN | Friendly Society |\n| AFUNDM | Fund Manager |\n| AINCON | Investment Consultancy |\n| AINDEA | Licenced Security Dealer |\n| AINSUR | Insurance Company |\n| AMANIN | Managed Investment Scheme |\n| AMERBA | Merchant Bank |\n| AMORBR | Mortgage Broker |\n| AMORMA | Mortgage Manager |\n| AMOROR | Mortgage Originator |\n| APFCON | Financial Planners |\n| ASTBRK | Stock & Share Broking |\n| ASUPAD | Superannuation fund administrator |\n| ASUPTR | Superannuation Trustee |\n| ATAXAG | Taxation Agency |\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------------------- |\n| ATSTCO | Trustee & Executor Company |\n| ATSTSU | Trustee Services |\n| B | General Consultants - Miscellaneous occupations |\n| BAGCON | Air Cargo Consultancy |\n| BARCON | Air Pollution Consultancy |\n| BAVCON | Aviation Consultancy |\n| BCMCON | Communication (PR) Consultancy |\n| BCNCON | Corrosion Consultancy |\n| BCONCO | Convention Coordinator |\n| BCRIMI | Criminologist |\n| BECONO | Economist |\n| BENCON | Environment & Pollution Consultancy |\n| BEVMAN | Event Managers & Co-Ordinators |\n| BFOCON | Forestry Services & Consultancy |\n| BFOODC | Food Consultant |\n| BHRCON | Human Resource Consulting |\n| BIRCON | Industrial Relations Consultant |\n| BLTCON | Telecommunication Consultants |\n| BMANAG | Management Consultancy |\n| BMELON | Meteorological Consultancy |\n| BMGCON | Migration Consultancy |\n| BMHCON | Materials Handling Consultancy |\n| BMNCON | Marine Consultancy |\n| BMOCON | Marketing Consultancy |\n| BMRCON | Market Research Consultancy |\n| BMTCON | Materials Testing Consultancy |\n| BNTCON | Natural Resource Consultancy |\n| BOCCON | Oceanographic Consultancy |\n| BODCON | Odour pollution Consultancy |\n| BPCCON | Pest Control Consultancy |\n| BPNCON | Personnel Consultancy |\n| BPRCON | Public Relations Consultancy |\n| BQUALC | Quality Assurance Consultant |\n| BRSCON | Research Industry & Scientific |\n| BSECON | Security Consultancy |\n| BSOCIO | Sociologist |\n| BSOCON | Solar Energy Consultancy |\n| BTACON | Travel Agency &/or Consultancy |\n| BTCCON | Technical Consultancy |\n| BTESTS | Inspection & Testing Services |\n| BTLCON | Telecommunication Consultants |\n| BTOCON | Tourism Consultancy |\n| BTOOPP | Tour Operator |\n| BTPCON | Transportation Consultancy |\n| BTRANS | Translator / Interpreter |\n| BTTCON | Textile Consultancy |\n| BWCCON | Water Conservation Consultancy |\n| BWNCON | Wine Industry Consultancy |\n| BWPCON | Water Pollution Consultancy |\n| C | Medical & Paramedical Miscellaneous occupations |\n| CACUPT | Acupuncturists |\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------- |\n| CALCON | Allergy and asthma consultant |\n| CALTHE | Alternative health services |\n| CANAGE | Anaesthetics - general |\n| CANAIC | Anaesthetics-intensive care |\n| CAUDIO | Audiologist |\n| CAUDIM | Audiometrist |\n| CCARDI | Cardiology |\n| CCARTH | Cardio-thoracic surgery |\n| CCHILD | Child Care Centre |\n| CCHIRP | Chiropodists |\n| CCHIRO | Chiropractics |\n| CCLCGN | Clinical genetics |\n| CCLCHA | Clinical haematology |\n| CCLCIM | Clinical immunology |\n| CCLCPH | Clinical pharmacology |\n| CCOLSU | Colorectal surgery |\n| CCOSSU | Cosmetic surgery |\n| CDENTI | Dentistry - oral surgery |\n| CDENTO | Dentistry -other |\n| CDERMI | Dermatology |\n| CRADOL | Diagnostic radiology |\n| CRADOG | Diagnostic radiology - Practitioner |\n| CDIETI | Dietician |\n| CDGALC | Drug and alcohol counselling |\n| CENTHR | Ear, nose and throat (ENT) |\n| CEMERG | Emergency medicine |\n| CENDOC | Endocrinology |\n| CENDOS | Endoscopy |\n| CFAMSU | Facio-Maxillary surgery |\n| CGASTR | Gastroenterology |\n| CGENME | General and internal medicine |\n| CGENPN | General practice - no procedure |\n| CGENPY | General Practice - procedural |\n| CGENSU | General Surgery |\n| CGERIA | Geriatrics |\n| CGYNAE | Gynaecology only |\n| CHOSTL | Hostel |\n| CHYGCO | Hygiene consultant |\n| CINFDS | Infectious diseases |\n| CINTCR | Intensive care |\n| CMEDON | Medical oncology |\n| CMIDWI | Midwifery |\n| CNATUR | Naturopaths |\n| CNEONA | Neonatology |\n| CNEURO | Neurology |\n| CNEUSU | Neurosurgery |\n| CNUCLR | Nuclear Medicine |\n| CNURSS | Nursing -general |\n| CNURSE | Nursing—nurse practitioner |\n| CNUTRI | Nutrition |\n| COBSGY | Obstetrics & Gynaecology |\n\n| CODE | Occupation Description |\n| ------ | ---------------------------------------------- |\n| COBSTO | Obstetrics only |\n| COCTHE | Occupational medicine |\n| COHSCO | OHS Practitioner |\n| COPTHA | Ophthalmology |\n| COPTOM | Optometrist |\n| CORALM | Oral surgery—medical |\n| CORTSU | Orthopaedic surgery |\n| COSTEO | Osteopathy |\n| COTHER | Other hospital-based medical practitioner |\n| CPAEDM | Paediatric medicine |\n| CPAEDS | Paediatric surgery |\n| CAMBOF | Paramedical and ambulance staff |\n| CPATHO | Pathology |\n| CPCHEM | Pharmacy |\n| CPHOSP | Hospital |\n| CPHYSI | Physiotherapy |\n| CPLAST | Plastic surgery |\n| CPNHOM | Nursing Home |\n| CPODTS | Podiatry |\n| CPSYCH | Psychiatry |\n| CPSYCO | Psychology |\n| CPHPRM | Public health/preventive medicine |\n| CREHSV | Rehabilitation medicine |\n| CRENAL | Renal medicine |\n| CRESPC | Respite Care Services |\n| CRESPM | Respiratory medicine |\n| CRETIR | Retirement Village |\n| CRHEUM | Rheumatology |\n| CSONOG | Sonographer |\n| CSPEEC | Speech Pathologists |\n| CSPTHE | Speech therapist |\n| CSPINE | Spinal surgery |\n| CSPORT | Sports medicine |\n| CTHMAS | Therapeutic Masseur |\n| CRADTH | Therapeutic radiology |\n| CTHORA | Thoracic medicine |\n| CUROLO | Urology |\n| CVASCU | Vascular surgery |\n| D | Legal & Para Legal - Miscellaneous occupations |\n| DBARIS | Barristers |\n| DCONSV | Conveyancing Services |\n| DJPEAC | Justice of the Peace |\n| DLGLCS | Legal Costing Services |\n| DLNDBR | Land Broking |\n| DMARCE | Marriage Celebrant |\n| DPATNT | Patent Attorneys |\n| DPRSER | Process Servers |\n| DPTTMA | Patent & Trade Mark Attorney |\n| DSHARR | Share Registry |\n| DSOLIC | Solicitors |\n| DTITLE | Title Searching |\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------------------------- |\n| DTMCON | Trademark Development &/or Investment |\n| E | Real Estate Miscellaneous occupations |\n| EANVAL | Valuer - fine art |\n| EAUCTN | Auctioneering |\n| EBDCOR | Body Corporate Management Services |\n| EHOTBR | Hotel & Motel Broking |\n| ELECON | Electrical Contracting |\n| EMTCON | Motel Management Consultancy |\n| EPTCON | Property Consultants |\n| EPTRPT | Property & Inspection Reports |\n| EREACT | Real Estate Agency- Commercial |\n| EREAGT | Real Estate Agency- Domestic |\n| EREAHT | Real Estate Agency- Hotels |\n| EREAIT | Real Estate Agency- Industrial |\n| EREAPM | Property Management Services |\n| EREVAL | Real Estate Agent & Valuations |\n| ESTMGR | Strata Title Management |\n| F | Agricultural, Horticultural miscellaneous occupations |\n| FAGCON | Agricultural Consultancy |\n| FAGRON | Agronomy |\n| FANBRE | Animal Breeders |\n| FAQCON | Aquaculture Consultants |\n| FARTBD | Artificial Breeding Services |\n| FBSKAG | Bloodstock Agency |\n| FEXPLS | Export Livestock Veterinary Consultant |\n| FFMADV | Farm Management Advisory Service |\n| FFMCON | Farm & Agricultural Consultant |\n| FHTCON | Horticultural Consultancy |\n| FMOROR | Mortgage Originator |\n| FPPORG | Primary Production Organisation |\n| FSSAGT | Stock & Station Agency |\n| FVALUR | Valuer - real estate |\n| FVETBS | Veterinary Surgeons Bloodstock |\n| FVETEQ | Veterinary Surgeons- Equine |\n| FVETGH | Veterinary Surgeons- Greyhound |\n| FVETLS | Veterinary Surgeon Livestock |\n| FVETSM | Veterinary Surgeons-Small/Pets |\n| FVTLAB | Veterinary Laboratories |\n| FWLBRK | Wool Broking |\n| G | Schools, Colleges - Miscellaneous occupations |\n| GBALSH | Ballet School & Dance Tuition |\n| GCUBAS | Scuba Diving Instruction - COMMERCIAL |\n| GEDCON | Education Consultancy |\n| GKINDA | Kindergartens |\n| GPSCHL | Private School |\n| GSCHOL | Primary Schools |\n| GSCUBA | Scuba Diving Instructor - recreational |\n| GSECOL | Secondary Schools/Colleges |\n| GTEACH | Teacher |\n| GTRCON | Training & Development Consultants |\n| GUNVER | Universities |\n\n| CODE | Occupation Description |\n| ------ | ------------------------------------------------------- |\n| H | Insurance - miscellaneous occupations |\n| HARGEN | Authorised Representatives (general insurance products) |\n| HARLIF | Authorised Representatives (life insurance products) |\n| HININV | Insurance Investigation |\n| HINSAG | Insurance Agency |\n| HINSBK | Insurance Broking |\n| HINSLA | Insurance Assessors & Loss Adjusters |\n| HINSUR | Insurance Surveyor |\n| HLASAG | Life Assurance Agents |\n| HLOSSA | Loss Assessor |\n| HLSCON | Loss Control & Management Control |\n| HRMCON | Risk Management Consultants |\n| HUWAGT | Underwriting Agent |\n| I | Local Government - Miscellaneous occupations |\n| IADVOR | Govt. Advisory Organization |\n| ILGTAT | Local Government Authority |\n| IMUNCL | Municipal / Shire Councils |\n| J | Miscellaneous occupations |\n| JADVAG | Advertising Agency |\n| JANTHE | Anthropologist |\n| JARBIT | Mediation & Arbitration |\n| JARCHE | Archaeology |\n| JBEAUT | Beauty Therapy |\n| JBTBKR | Boat & Yacht Broking |\n| JBTDES | Boat & Yacht Designing |\n| JCARGO | Cargo & Marine Surveying |\n| JCMADV | Community Advice Centres |\n| JCOACH | Sports Coach |\n| JCOASS | Association - Community |\n| JCOURI | Courier Service |\n| JCSFAG | Customs Shipping & Forwarding |\n| JCUSTA | Customs Agency |\n| JDIASS | Association - Disability |\n| JDIVSE | Diving Services |\n| JENASS | Association - Environmental |\n| JFAMWL | Family Welfare Organization |\n| JFUNRL | Funeral Directing |\n| JGPDES | Graphic design |\n| JINVES | Investigators |\n| JMARRC | Marriage, Family, Personal Councillor |\n| JMNENG | Marine Engineers |\n| JMNSUR | Marine Surveying |\n| JNVARC | Naval Architecture |\n| JPHOTO | Photographer / Cameraman |\n| JPIDES | Product & Industrial Design |\n| JPRASS | Association - Professional |\n| JRELIG | Religious Organisation |\n| JRESER | Research & Development Corp |\n| JSECRE | Secretariat Services |\n| JSHPCH | Ship & Boat Chandelling |\n| JSPASS | Association - Sporting |\n\n| CODE | Occupation Description |\n| ------ | ----------------------------------------------------------- |\n| JTDASS | Association - Trade |\n| JTECHW | Technical Writers |\n| JTELAN | Telephone Answering / telemarketing |\n| JTRAUN | Trade Union |\n| JWEASS | Association - Welfare |\n| JWTCON | Writers Consultant &/or Service |\n| K | Architects Miscellaneous occupations |\n| KACHTS | Architects |\n| KARCDR | Architectural Draughtspersons |\n| KINTDE | Interior Designers & Fit out Consultant |\n| KLACHS | Landscape Architecture |\n| KLACTP | Town Planning |\n| KPLUMB | Plumbing Consultants |\n| L | Engineering - miscellaneous occupations |\n| LACENG | Engineer – acoustic |\n| LAEENG | Engineer – aeronautical |\n| LAGENG | Engineer – agricultural |\n| LBCERT | Building Certifiers |\n| LBHENG | Building Hydraulic Design Engineer |\n| LBIENG | Engineer – biomedical |\n| LBINSP | Building Inspectors |\n| LBLCON | Building Consultants |\n| LBLDES | Building Designer |\n| LBLDIN | Building Inspector - Victorian Building Act activities only |\n| LCHENG | Engineer – chemical |\n| LCHSCI | Chemical Scientist |\n| LCIENG | Engineer – civil |\n| LCONMG | Construction Management |\n| LCONTE | Concrete Testing & Investigation |\n| LDSCON | Drainage Sewerage & Water Supplies |\n| LELENG | Engineer – electrical |\n| LELINS | Electrical Inspectors |\n| LENAUD | Environmental Auditor |\n| LENGDT | Engineering Draftspersons |\n| LENVEN | Engineer – environmental |\n| LETENG | Engineer – electronic |\n| LFPENG | Engineer - fire protection / safety |\n| LFSENG | Foundation & Structural Engineer |\n| LGEEON | Engineer - geo-technical - soil testing |\n| LGEOLO | Engineer – geological |\n| LHAENG | Engineer – harbour |\n| LHDENG | Hydro Electric Engineering |\n| LHMENG | Materials Handling, Process Engineer |\n| LHVENG | Heating/Ventilation/Air-Con |\n| LHYENG | Engineer – hydraulic |\n| LMAENG | Engineer – marine |\n| LMCENG | Engineer – Metallurgical |\n| LMEENG | Engineer – Mechanical |\n| LMIENG | Engineer - mining / minerals processing |\n| LNDCST | Non Destructive Testing Consul |\n| LPCCST | Petrochem,Chemical,Natural Gas,Env Con |\n| CODE | Occupation Description |\n| LPEENG | Power & Energy Engineering |\n| LPREIN | Pre-purchase Inspection Services |\n| LPRMGR | Project Managers |\n| LRFENG | Engineer – Refrigeration |\n| LSFENG | Safety Engineering |\n| LSTENG | Engineer – structural |\n| LTELEC | Engineer – telecommunications |\n| LTNPNR | Town Planners |\n| LTRENG | Engineer – Traffic |\n| LWASTE | Waste Management Consultants |\n| LWWENG | Engineer - water treatment / sewage |\n| M | Surveying Miscellaneous |\n| MBLSUV | Building Surveyor |\n| MCARTO | Cartographer |\n| MCMSUV | Surveyors - Cargo and/or Marine |\n| MCOSTE | Cost Estimators |\n| MHYSUV | Surveyors – Hydrographic |\n| MLDSUV | Land Surveyors |\n| MQTSUV | Surveyor – quantity |\n| MSUREN | Surveyor – Engineering |\n| MSURMI | Surveyor – Mining |\n| N | Defamation – misc |\n| NFPROD | Film Producer |\n| NJOURN | Journalist |\n| NPUBLI | Publishers |\n| NRADIO | Radio Broadcasters |\n| NTVBRO | Televisions Broadcasters |\n| O | Multiple Occupations |\n| OMULTI | Multiple Occupations* |\n\n\\* Only available for facility business.","sortOrder":27},{"sectionNumber":"Appendix B: Data Validation","sectionType":"part","heading":"Appendix B: Data Validation","content":"# Appendix B: Data Validation\n\nAs well as unit record validation, overall reasonability checks will be carried out on each insurer’s data.","sortOrder":28},{"sectionNumber":"With each half-yearly data submission","sectionType":"part","heading":"With each half-yearly data submission","content":"## With each half-yearly data submission\n\nVarious comparisons between the current reporting period and the previous period will be carried out in order to monitor data reasonability and consistency. These may include:\n\n• Change in the aggregate Gross Earned Premium, split by two digit ANZSIC code or single character occupation code;\n\n• Changes in the total numbers of policies and claims;\n\n• Counts of claims by various measures; causes of loss, severity or litigation status; and\n\n• Changes in the average and total claims paid.\n\nAs well, various reasonability checks will be carried out within each period submission, including;\n\n• Overuse of the various ‘Other’ categories and codes; and\n\n• Comparison of the various premium fields against each other.\n\nOther reasonability checks may be carried out on an ad hoc basis.","sortOrder":29}],"analysis":{"kimi_summary":{"content_quality":"ok","complexity_score":4,"scope_assessment":{"changed":false,"description":"The legislation remains focused on its original purpose: collecting facility business data for public liability, product liability and professional indemnity insurance. While it includes detailed technical specifications and extensive occupation codes, these are implementation details supporting the core data collection objective rather than scope creep."},"complexity_factors":["19 defined terms in the interpretation section, including nested definitions (e.g., 'insurer' means 'general insurer', which references the Insurance Act 1973)","Multiple cross-references to external legislation (Financial Sector (Collection of Data) Act 2001, Australian Prudential Regulation Authority Act 1998, Insurance Act 1973)","Conditional reporting thresholds ($100,000 cut-off for separate facility reporting vs aggregation as 'Other')","Flexible administrative powers allowing APRA to vary reporting periods, methods, and authorisation requirements by written notice","Extensive occupation code taxonomy in Appendix A (approximately 300+ specific codes across categories A-O) requiring precise classification","Technical data specifications with field type constraints (e.g., '6a' for 6 alphanumeric characters, '12n' for 12 numeric)","Dual classification systems required (ANZSIC codes for public/product liability vs APRA occupation codes for professional indemnity)","Exception handling for 'OMULTI' and '0000' codes when multiple occupations/industries are covered"],"plain_english_summary":"This standard requires Australian general insurers to report data on \"facility business\" for public liability, product liability and professional indemnity to APRA for inclusion in prudential oversight and the National Claims and Policies Database. \n\nIt affects insurers underwriting such arrangements and APRA’s supervision, improving oversight of insurer solvency and market transparency about claims, premiums and industry trends."},"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"},"flash_summary":{"complexity_score":4,"scope_assessment":{"changed":false,"description":"The instrument’s scope is confined to general insurers reporting facility business for public/product liability and professional indemnity (reportable facility business definitions and exclusions are set out). It applies from reporting periods ending on or after 31 December 2021 and allows APRA to vary frequency, format or content by written notice; no text indicates an expansion beyond those classes or entities."},"complexity_factors":["Detailed field‑level requirements and mandatory CSV format (GRF 800.3) increase implementation specificity.","Extensive occupation/industry code lists (ANZSIC 4‑digit and APRA professional codes) create mapping and maintenance work.","Facility‑level threshold and uniqueness rules (>$100,000 premium/payments; combination of key fields must be unique) require data aggregation logic.","APRA discretion to vary reporting frequency, reporting periods, formats, codes or tables by written notice (paras 7, 10, 14) creates regulatory uncertainty and possible rework.","Authentication and submission via APRA’s agent (Fujitsu) with assigned customer IDs and passwords imposes a specific IT/integration path (paras 9, 12).","Board and senior management responsibility for data authorisation and internal controls places compliance obligations on governance (para 11).","Data validation and reasonability checks (Appendix B) require reconciliations and ongoing quality assurance processes.","Alternate submission methods and exceptions (APRA determinations allowing different IT or addresses; delegated authorisers) add conditional complexity (paras 10, 13).","Timing constraints: half‑yearly reporting with a four‑month lodgement deadline, subject to APRA variation, affects resourcing and cutoffs (paras 6, 8).","Repetition and heavy specification across the form and appendices increases operational friction for mapping and testing."],"plain_english_summary":"This Reporting Standard requires general insurers to submit half‑yearly CSV data (via APRA’s NCPD website) about facility business in public and product liability and professional indemnity insurance. APRA uses the data for prudential supervision and publication in the National Claims and Policies Database.\n\nInsurers must supply specified fields (facility identifier, premium, claims, payments, occupation codes), meet a $100,000 facility threshold, secure submissions via APRA’s agent, and maintain board‑level authorisation and data controls; APRA may change periods, formats or codes by written notice."}},"importantCases":[],"_links":{"self":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-3-of-2021","history":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-3-of-2021/history","analysis":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-3-of-2021/analysis","conflicts":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-3-of-2021/conflicts","importantCases":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-3-of-2021/important-cases","documents":"/api/acts/financial-sector-collection-of-data-reporting-standard-determination-no-3-of-2021/documents"}}