Australian Prudential Regulation Authority (confidentiality) determination No.2 of 2016

This instrument is a confidentiality determination made by a delegate of the Australian Prudential Regulation Authority, under section 57 of the Australian Prudential Regulation Authority Act 1998 (APRA Act). The delegate, Juanita Hoare, determines that a specified class of reporting documents provided to APRA by general insurers and Lloyd’s underwriters do not contain confidential information, with two explicit exceptions listed in Part 2 of the Schedule. The determination takes effect on the date of registration on the Federal Register of Legislation under the Legislation Act 2003. The instrument is dated 20 September 2016 and is captioned “Australian Prudential Regulation Authority (confidentiality) determination No.2 of 2016”.

Mechanically, the determination does the following:

Declares that for the reporting documents specified in Part 1 of the Schedule, the reporting documents “do not contain confidential information”, except for the data items and data-dimension combinations specified in Part 2 of the Schedule. The determination is made under s 57 APRA Act (the power to make confidentiality determinations) and therefore changes the confidentiality status of specified reporting documents for APRA’s purposes.
Signals that the non-confidential material (subject to a separate limitation for personal information under the Privacy Act 1988) may be published by APRA under subsection 56(5C) of the APRA Act, as stated in the note attached to the instrument.
Identifies the relevant reporting documents as those within the meaning of section 13 of the Financial Sector (Collection of Data) Act 2001, provided to APRA by general insurers and Lloyd’s underwriters under particular reporting standards (GRS 800.1, GRS 800.2, GRS 800.3 and their Lloyd’s equivalents, LOLRS 800.1-800.3). The Schedule breaks those reporting documents into two groups described as “level 1 reports” and “level 2 reports” and lists the specific report types and the exact data measures, dimensions and categories that level 2 reports contain.

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Information 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

800.2 and LOLRS 800.3

Australian Prudential Regulation Authority Act 1998

I, Juanita Hoare, a delegate of APRA, under section 57 of the Australian Prudential

Regulation Authority Act 1998, DETERMINE that 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.

This determination commences on the date of registration on the Federal Register of Legislation under the Legislation Act 2003.

Note: The effect of this determination is that the non-confidential information (other than personal information within the meaning of the Privacy Act 1988) may be published under subsection 56(5C) of the Australian Prudential Regulation Authority Act 1998.

Dated: 20 September 2016

[Signed]

Juanita Hoare

Senior Manager, Analysis and Publications

Supervisory Support Division

InterpretationIn this determination:

APRA means the Australian Prudential Regulation Authority.

general insurer has the meaning given in section 11 of the Insurance Act 1973.

Lloyd’s underwriters has the meaning given in section 3 of the Insurance Act 1973.

reporting document means a reporting document within the meaning of section 13 of the Financial Sector (Collection of Data Act) 2001.

Schedule

Part 1 (reporting documents covered by this

determination)

The level 1 reports covered by this Determination are (the level 1 reports):

	Policy data reports- All States
b.	Claims Data Reports- National
c.	Claims Data Reports- NSW
d.	Claims Data Reports- Victoria
e.	Claims Data Reports- Queensland
f.	Claims Data Reports- Western Australia
g.	Claims Data Reports- South Australia
h.	Claims Data Reports- Tasmania
i	Claims Data Reports- Northern Territory
j.	Claims Data Reports- ACT

The level 1 reports include all data items extracted, for the purpose of preparing the

level 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

reporting standards made under the Financial Sector (Collection of Data Act) 2001:

<table cellspacing="0" cellpadding="0" style="width:375.6pt; margin-left:26.7pt; border-collapse:collapse"><tbody><tr><td colspan="2" style="width:364.8pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:upper-latin"><li style="margin-left:16.67pt; padding-left:24.73pt; font-weight:bold"><span>General Insurers</span></li></ol><p style="margin-left:36pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Reporting Standard GRS 800.1 Policy Data: Public and Product Liability and Professional Indemnity Insurance</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Reporting Standard GRS 800.2 Claim Data: Public and Product Liability and Professional Indemnity Insurance</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Reporting Standard GRS 800.3 Facility Business Data: Public</span></p><p><span>and Product Liability and Professional Indemnity Insurance</span></p><p><span></span></p></td></tr><tr><td colspan="2" style="width:364.8pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>B.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Lloyd’s Underwriters</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Reporting Standard LOLRS 800.1 Policy Data: Public and</span></p><p><span>Product Liability and Professional Indemnity Insurance</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Reporting Standard LOLRS 800.2 Claim Data: Public and Product Liability and Professional Indemnity Insurance</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Reporting Standard LOLRS 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance</span></p><p><span></span></p></td></tr></tbody></table>

The level 2 reports covered by this Determination are (the level 2 reports):

<table cellspacing="0" cellpadding="0" style="width:375.6pt; margin-left:26.7pt; border-collapse:collapse"><tbody><tr><td colspan="2" style="width:364.8pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:upper-latin"><li style="margin-left:16.67pt; padding-left:24.73pt; font-weight:bold"><span>Policy reports</span></li></ol><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year by Product (filter by: COB, State, Occupation, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Product by State (filter by: Year, COB, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Product by LOI (filter by: Year, COB, State, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>d.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Product by EDA (filter by: Year, COB, State, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>e.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year by State (filter by: COB, Product, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>f.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>LOI by State (filter by: Year, COB, Product)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>g.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>EDA by State (filter by: Year, COB, Product)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>h.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year by LOI (filter by: COB, State, Product, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>i.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year by EDA (filter by: COB, State, Product, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>j.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation by Year (filter by: COB, Product, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>k.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation by Product (filter by: Year, COB, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>l.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation by LOI (filter by: Year, COB, Product, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>m.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation by EDA (filter by: Year, COB, Product, Occupation)</span></p><p><span></span></p></td></tr><tr><td colspan="2" style="width:364.8pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>B.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Claim reports</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year by Development year (filter by: COB, State, Product, Occupation, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year by Product (filter by: COB, State, Occupation, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Product by State (filter by: Year, COB, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>d.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Product by LOI (filter by: Year, COB, State, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>e.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Product by EDA (filter by: Year, COB, State, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>f.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year by State (filter by: COB, Product, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>g.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>LOI by State (filter by: Year, COB, Product)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>h.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>EDA by State (filter by: Year, COB, Product)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>i.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year by LOI (filter by: COB, State, Product, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>j.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year by EDA (filter by: COB, State, Product, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>k.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation by Year (filter by: COB, Product, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>l.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation by Product (filter by: Year, COB, LOI, EDA)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>m.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation by LOI (filter by: Year, COB, Product, Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>n.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation by EDA (filter by: Year, COB, Product, Occupation)</span></p><p><span></span></p></td></tr><tr><td colspan="2" style="width:364.8pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>C.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Facility reports</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span></span><span>Reporting period (filter by: Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation (filter by: Reporting period)</span></p><p><span></span></p></td></tr><tr style="height:3.5pt"><td colspan="2" style="width:364.8pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>D.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Facility in run-off reports</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Reporting period (filter by: Occupation)</span></p></td></tr><tr><td style="width:31.7pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td style="width:322.3pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Occupation (filter by: Reporting period)</span></p><p><span></span></p></td></tr></tbody></table>

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:

	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: Publicand Product Liability and Professional Indemnity Insurance

The level 2 reports include the following data items:

<table cellspacing="0" cellpadding="0" style="margin-left:26.7pt; border-collapse:collapse"><tbody><tr><td colspan="3" style="width:371.9pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:upper-latin"><li style="margin-left:16.67pt; padding-left:24.73pt; font-weight:bold"><span>Data measures</span></li></ol><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Gross written premium</span><span>, </span><span>gross earned premium</span><span>, </span><span>number of risks written </span><span>and </span><span>average earned premium</span><span>.</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Number of claims reported</span><span>, </span><span>number of claims finalised</span><span>, </span><span>gross claim payments </span><span>and </span><span>gross claims incurred</span><span>, each of which is available on an underwriting year, accident year and calendar year basis.</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Premiums received, claims paid, and number of policies, number of</span><span> </span><span>claims and number of facilities.</span></p><p><span></span></p></td></tr><tr><td colspan="3" style="width:371.9pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>B.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Data dimensions</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Development year</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Class of business</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>d.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>State/Jurisdiction</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>e.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Product</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>f.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Industry/Occupation</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>g.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Limit of indemnity</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>h.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Excess/deductible</span></p><p><span></span></p></td></tr><tr><td colspan="3" style="width:371.9pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>C.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Dimension categories available in level 2 reports</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Year</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Underwriting years</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Accident years</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>d.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Calendar years</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>e.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Six month reporting period (facility reports only)</span></p><p><span></span></p></td></tr><tr><td colspan="3" style="width:371.9pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>D.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Development year</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>ALL</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>0 – 9</span></p><p><span></span></p></td></tr><tr><td colspan="3" style="width:371.9pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>E.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Class of business (COB)</span></p><p style="margin-left:41.4pt; text-indent:-41.4pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>PI</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>PL</span></p><p><span></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>F.</span></span><span style="font:7pt 'Times New Roman'"></span><span style="font-weight:bold"></span></p></td><td style="width:270.55pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="text-indent:55pt"><span style="font-weight:bold">State/Jurisdiction</span></p><p style="margin-left:36pt"><span style="font-weight:bold"></span></p></td><td style="vertical-align:top"></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>a.</span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>All States</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>b.</span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>No detailed occupation information is available except on All States’</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>NSW</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>d.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>VIC</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>e.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>QLD</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>f.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>SA</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>g.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>WA</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>h.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>TAS</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>i.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>NT</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>j.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>ACT</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>k.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Unknown</span></p><p><span></span></p></td></tr><tr><td colspan="3" style="width:371.9pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:28.35pt; text-indent:-28.35pt"><span style="font-weight:bold">G. </span><span style="font-weight:bold"></span><span style="font-weight:bold">Product</span><span style="font-size:10pt; font-weight:bold"></span></p><p style="margin-left:41.4pt; text-indent:-41.4pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>ALL</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>D&amp;O and employment practices liability</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Medical indemnity/Malpractice</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>d.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Other professional indemnity</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>e.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Construction liability</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>f.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Product liability</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>g.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Public liability</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>h.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>Other product and public liability</span></p><p><span></span></p></td></tr><tr><td colspan="3" style="width:371.9pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>H.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Industry/Occupation</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>ALL</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>No detailed state/jurisdiction information is available except on ‘ALL’</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>2 digit ANZSIC code; or</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>d.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>character occupation cod</span><span>e</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>e.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>A - Financial occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>f.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>B - General Consultants</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>g.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>C - Medical &amp; Paramedical occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>h.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>D - Legal &amp; Para Legal occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>i.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>E - Real Estate occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>j.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>F - Agricultural, Horticultural occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>k.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>G - Schools, Colleges occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>l.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>H - Insurance occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>m.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>I - Local Government occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>n.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>J - Miscellaneous occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>o.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>K – Architects</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>p.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>L - Engineering occupations</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>q.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>M - Surveying occupations</span></p></td></tr><tr style="height:19.85pt"><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>r.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>N – Defamation</span></p><p><span></span></p></td></tr><tr><td colspan="3" style="width:371.9pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>I.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Limit of indemnity (LOI)</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>ALL</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>No detailed EDA information is available except on ‘ALL’</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>0-5m</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>d.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>5m-10m</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>e.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>10m+</span></p><p><span></span></p></td></tr><tr><td colspan="3" style="width:371.9pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:41.4pt; text-indent:-41.4pt"><span style="font-weight:bold"><span>J.</span></span><span style="font:7pt 'Times New Roman'"> </span><span style="font-weight:bold">Excess/deductible (EDA)</span></p><p style="margin-left:36pt; font-size:10pt"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><ol style="margin:0pt; padding-left:0pt; list-style-type:lower-latin"><li style="margin-left:13.33pt; padding-left:4.67pt"><span></span></li></ol></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>ALL</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>b.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>No detailed LOI information is available except on ‘ALL’</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>c.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>0-$499</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>d.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>$500-$999</span></p></td></tr><tr><td style="width:24.6pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p style="margin-left:18pt; text-indent:-18pt"><span><span>e.</span></span><span style="font:7pt 'Times New Roman'"></span><span></span></p></td><td colspan="2" style="width:336.5pt; padding-right:5.4pt; padding-left:5.4pt; vertical-align:top"><p><span>$1,000+</span></p></td></tr><tr style="height:0pt"><td style="width:35.4pt"></td><td style="width:281.35pt"></td><td style="width:65.95pt"></td></tr></tbody></table>

Schedule

Part 2 (items of information from reporting documents that are to remain confidential)

Data items in respect of the following data dimensions are not covered by this Determination:

data on state/jurisdiction and also occupation; and
data on the limit of indemnity and also the excess/deductible.

1 Australian Prudential Regulation Authority (confidentiality) determination No.2 of 2016

Australian Prudential Regulation Authority (confidentiality) determination No.2 of 2016

800.2 and LOLRS 800.3

Australian Prudential Regulation Authority Act 1998

I, Juanita Hoare, a delegate of APRA, under section 57 of the Australian Prudential

This determination commences on the date of registration on the Federal Register of Legislation under the Legislation Act 2003.

Dated: 20 September 2016

[Signed]

Juanita Hoare

Senior Manager, Analysis and Publications

Supervisory Support Division

InterpretationIn this determination:

APRA means the Australian Prudential Regulation Authority.

general insurer has the meaning given in section 11 of the Insurance Act 1973.

Lloyd’s underwriters has the meaning given in section 3 of the Insurance Act 1973.

reporting document means a reporting document within the meaning of section 13 of the Financial Sector (Collection of Data Act) 2001.

Schedule

Part 1 (reporting documents covered by this

determination)

The level 1 reports covered by this Determination are (the level 1 reports):

	Policy data reports- All States
b.	Claims Data Reports- National
c.	Claims Data Reports- NSW
d.	Claims Data Reports- Victoria

The determination is compact but relies on a set of definitional and statutory foundations. The core concepts are:

The statutory basis. The determination is made under s 57 of the Australian Prudential Regulation Authority Act 1998, the provision that allows APRA (or a delegate) to make confidentiality determinations about information. The instrument expressly notes that non-confidential information may be published under s 56(5C) APRA Act. The instrument also refers to reporting documents as used in section 13 of the Financial Sector (Collection of Data) Act 2001. The Legislation Act 2003 controls commencement by registration.
Who and what are covered. “APRA” is defined in the determination. “General insurer” and “Lloyd’s underwriters” are taken from the Insurance Act 1973 (s 11 and s 3 respectively). “Reporting document” is used with the statutory reference to the Financial Sector (Collection of Data) Act 2001 (s 13). The Schedule spells out that the reporting documents in scope are the specified data submissions that insurers and Lloyd’s underwriters have provided to APRA on or before the date of the determination, under particular reporting standards.
Level 1 and level 2 reports. The Schedule classifies the reports into “level 1 reports” and “level 2 reports”. Level 1 reports are principally the raw policy and claims data feeds used to create the aggregated reporting products: policy data reports for all states and claims data reports at the national and per-state level (items a-j). Level 2 reports are the aggregated reporting products and cross-tabulations available to users and include three report classes: policy reports, claim reports and facility reports, each with many specific breakdowns, filters and cross-dimensions (Schedule, Part 1, items 3-5).
Data measures and dimensions. The Schedule (Part 1, item 5) lists explicit data measures in the level 2 reports, such as gross written premium, gross earned premium, number of risks written, average earned premium, number of claims reported, number of claims finalised, gross claim payments, gross claims incurred, premiums received, claims paid, number of policies, number of claims and number of facilities. It also enumerates data dimensions and categories that appear in the level 2 reports including year, development year, class of business (COB), state/jurisdiction, product, industry/occupation, limit of indemnity (LOI), excess/deductible (EDA), and detailed category breakdowns (for example LOI bands 0-5m, 5m-10m, 10m+, EDA ranges 0-$499, $500-$999, $1,000+).
Confidentiality carve-outs. Part 2 of the Schedule lists data items that remain confidential. The determination states that “Data items in respect of the following data dimensions are not covered by this Determination”: (a) data on state/jurisdiction and also occupation; and (b) data on the limit of indemnity and also the excess/deductible. The instrument therefore leaves these combined-dimension items outside the grant of non-confidentiality.
Privacy Act interface. The instrument explicitly recognises that personal information, as defined in the Privacy Act 1988, remains excluded from the effect of the determination. The explanatory note emphasises that non-confidential information, “other than personal information within the meaning of the Privacy Act 1988”, may be published under s 56(5C) APRA Act.

Taken together, these concepts show that the determination converts a narrowly defined set of historical reporting documents and the derived level 2 aggregates into material APRA may publish, but it also preserves confidentiality for specific joint-dimension items and for personal information. The Schedule provides the concrete taxonomy of report types, measures, dimensions and categorical bins that underpin APRA’s planned public outputs.

This determination identifies specific groups with concrete roles and stakes.

General insurers and Lloyd’s underwriters. The reporting documents in question are those “given to APRA on or before the date of this determination by general insurers and Lloyd’s Underwriters” under the listed reporting standards (Schedule, Part 1, items 2 and 4). Those entities are the data providers and therefore the primary affected private parties. The definitions of “general insurer” and “Lloyd’s underwriters” are those in the Insurance Act 1973 (cited in the instrument).
APRA. The Authority (acting through the delegate who signed the determination) is the decision-maker that changes the confidentiality status of these reporting documents and authorises publication of non-confidential items under s 56(5C) APRA Act. APRA therefore gains an explicit power to publish the designated aggregated outputs, subject to the exceptions in Part 2 and to the personal information exclusion.
Data users and the public. Researchers, journalists, lawyers, industry analysts, policymakers and other third parties who use APRA publications are affected because the determination authorises APRA to make available the non-confidential reporting items listed in the Schedule. The Schedule lists the precise level 2 reports (for example “Year by Product (filter by: COB, State, Occupation, LOI, EDA)”) that could be published.
Policyholders and named individuals. The instrument preserves personal information confidentiality under the Privacy Act 1988. Therefore, insured individuals and other persons whose data appear in the reporting documents remain protected in respect of personal information, although the instrument does not list the personal-information fields , it relies on the Privacy Act definition and existing privacy rules.
Administrations that rely on the reporting standards. Entities that prepare internal management reports based on the GRS and LOLRS reporting standards and their IT systems may need to adapt to the fact that certain aggregated outputs derived from those feeds are now categorised as non-confidential and may be published.
Potential downstream data processors. Any third party who receives APRA’s published level 2 reports will be able to use them subject to applicable laws. The instrument itself does not create contractual rights between insurers and third parties, but it changes the availability of data APRA may release publicly.

Who decides: APRA’s delegate made the determination under s 57 APRA Act; the instrument notes the possibility of publication under s 56(5C) APRA Act. Who pays: the determination does not create new statutory fees, but insurers bear the compliance and data-preparation costs of providing the reporting documents under the Financial Sector (Collection of Data) Act 2001 and the associated reporting standards. Behaviour changes: data providers may need to consider the publication risk of aggregated outputs, and APRA will be positioned to publish the level 2 outputs listed unless they fall into the Part 2 carve-outs or are personal information.

The instrument itself is primarily declaratory, but it creates duties and rights flowing from the underlying statutes.

Duties and obligations established or implicated by the instrument:

Duty on APRA to treat the specified reporting documents as non-confidential for the purposes stated, subject to the named exceptions. The delegate’s determination changes how APRA is authorised to treat those documents under the APRA Act. The legal authority for the determination is s 57 APRA Act.
Duty on reporting entities to have provided reporting documents in accordance with the relevant reporting standards (the GRS and LOLRS reporting standards made under the Financial Sector (Collection of Data) Act 2001). The instrument refers to data “extracted, for the purpose of preparing the level 1 reports, from reporting documents given to APRA on or before the date of this determination” (Schedule, Part 1, item 2). That places the scope on historical submissions made up to the date of the determination.
Obligation implicit from the instrument to treat personal information in accordance with the Privacy Act 1988. The document’s note states that publication is subject to the Privacy Act limitation: “other than personal information within the meaning of the Privacy Act 1988” (note).

Rights and entitlements created or clarified:

APRA’s right to publish the identified non-confidential data. The note expressly links the determination to subsection 56(5C) of the APRA Act, which permits APRA to publish non-confidential information. The Schedule lists the exact level 2 reports and the data measures and dimensions that may be made public as non-confidential, subject to the carve-outs and privacy constraints.
The reporting entities’ residual right to confidentiality for the items carved out in Part 2. Part 2 identifies two data-dimension combinations that remain confidential and are “not covered by this Determination”. Entities may expect those combinations to remain outside APRA’s authorisation to publish.
A right to legal certainty, limited to the scope of the instrument. The determination fixes the confidentiality status only for the reporting documents and extracted data items specified and only for reporting documents “given to APRA on or before the date of this determination”. The instrument does not itself address future reporting documents given after that date.
The instrument also fixes categorical breakdowns and bins that APRA can publish (for example LOI bands and EDA bands). Users can rely on the presence of those categories in the level 2 outputs, except where Part 2 specifies confidentiality.

What the instrument does not do:

It does not create new affirmative obligations on insurers to supply new data; it operates on data already given to APRA on or before the determination date. It does not itself change the reporting standards nor does it amend the Financial Sector (Collection of Data) Act 2001 or the Insurance Act 1973.
It does not specify publication timing, frequency, format, or distribution conditions for the level 2 reports. Those operational choices remain within APRA’s administrative discretion pursuant to its powers, including s 56(5C).

In short, the determination transfers a particular stock of reporting-derived data from a confidential to a non-confidential status for APRA publication, while preserving confidentiality for the two specified joint-dimension data items and for personal information as defined in the Privacy Act.

The determination is an administrative instrument and does not itself create criminal offences, civil penalties, or a standalone enforcement regime. The text is limited to changing the confidentiality status of certain reporting documents and listing exceptions. The instrument:

Is made under the power in s 57 of the APRA Act. That statutory section provides authority for confidentiality determinations, but the determination does not, by its terms, specify enforcement mechanisms or penal consequences for breach.
Refers to APRA’s publication authority under subsection 56(5C). That subsection governs APRA’s ability to publish non-confidential information. The instrument does not invoke sanctions or penalties for unauthorised publication beyond the statutory framework already in place in the APRA Act and other laws.
Does not specify penalties for reporting entities that fail to provide data or that provide inaccurate data. Any such enforcement powers would be found in the underlying statutory obligations (for example the Financial Sector (Collection of Data) Act 2001 and APRA’s general regulatory powers), but the determination does not itself address them.

Practical enforcement and compliance implications to note from the instrument:

APRA’s administrative decision to publish non-confidential material is the key compliance trigger for data providers. If APRA publishes material that reporting entities considered confidential but that is not listed in Part 2, the instrument provides APRA the authority to do so. Legal recourse for concerned entities would have to be found in the statutory regime governing confidentiality, administrative law avenues, or by formal request to APRA, but the instrument itself does not set those paths out.
The instrument’s carve-outs (Part 2) create discrete boundaries that APRA has recognised as remaining confidential. If APRA were to publish material that falls into those carve-outs, that would be at odds with the determination; the instrument itself, however, does not set out the consequences of such an administrative error.
The Privacy Act 1988 remains the controlling law for personal information. The instrument expressly disapplies the publication note to personal information. Enforcement of privacy obligations and remedies for privacy breaches are governed by the Privacy Act and the Office of the Australian Information Commissioner, not by this determination.

Concisely, the determination is not a penal instrument. It modifies APRA’s administrative posture toward publication, but any enforcement, penalties for non-compliance with reporting duties, or remedies for unlawful disclosure are governed by the primary statutes and administrative law, not by this determination’s text.

The determination sits at the intersection of several statutory regimes. The instrument itself cites or relies upon specific statutory references and definitions, and its legal effect must be understood in that statutory context.

Primary statutory references in the instrument:

Australian Prudential Regulation Authority Act 1998. The determination is made under s 57 APRA Act and links to APRA’s publication power in subsection 56(5C). The instrument therefore exercises, and modifies the application of, APRA’s statutory confidentiality framework.
Financial Sector (Collection of Data) Act 2001. The instrument refers to “reporting documents within the meaning of section 13” of that Act. The reporting standards (GRS and LOLRS) cited in the Schedule are reporting standards made under the Financial Sector (Collection of Data) Act 2001. The data at issue are those provided to APRA pursuant to that Act and its reporting instruments.
Insurance Act 1973. The definitions of “general insurer” and “Lloyd’s underwriters” referenced in the instrument are sourced from sections 11 and 3 respectively of the Insurance Act 1973. The instrument therefore applies to the insurers and underwriters described in that Act.
Privacy Act 1988. The instrument explicitly reserves personal information as defined by the Privacy Act from the grant of non-confidentiality. The explanatory note warns that non-confidential information may be published “other than personal information within the meaning of the Privacy Act 1988”.
Legislation Act 2003. The instrument’s commencement is keyed to registration on the Federal Register of Legislation, as provided by the Legislation Act 2003.

Functional interactions:

The determination converts the confidentiality status of specified reporting documents and derived level 2 outputs for APRA’s purposes, thus creating an internal legal basis for APRA to exercise its publication power under s 56(5C) APRA Act. The Schedule tells APRA and third parties which measures, dimensions and categorical bins are considered non-confidential.
The underlying reporting standards (GRS 800.1-800.3 and LOLRS 800.1-800.3) are instruments under the Financial Sector (Collection of Data) Act 2001. Those reporting standards define the substance and format of the reporting documents. The determination does not amend those reporting standards; it determines the confidentiality status of data that were submitted under them up to the determination date.
The instrument’s Part 2 carve-outs create a specific interaction with the content of level 2 reports: even though level 2 reports include state/jurisdiction and occupation as separate dimensions and LOI and EDA as separate dimensions, datasets that combine state and occupation, or combine LOI and EDA, are explicitly excluded from the non-confidential class. That is an internal limitation on APRA’s publication authority for these documents.
The Privacy Act protection remains in force. Even where the instrument declares a data item non-confidential, APRA’s power to publish is curtailed by the Privacy Act where the information qualifies as personal information. The determination relies on that interplay and does not attempt to define or override personal-information protections.

Interpretative friction points:

Temporal scope. The Schedule makes clear that the non-confidential status applies to data “extracted, for the purpose of preparing the level 1 reports, from reporting documents given to APRA on or before the date of this determination” (Schedule, Part 1, item 2). The instrument therefore leaves open the status of reporting documents given to APRA after the determination date. Any future reporting will interact with the APRA Act and APRA’s confidentiality practices but not under the automatic effect of this instrument.
Definition dependencies. The instrument assumes the statutory definitions in the cited Acts. Any change in the underlying definitions or reporting standards would change the set of entities or documents to which this determination applies.
Administrative discretion. The instrument authorises publication but does not set operational publication rules. APRA’s exercise of s 56(5C) remains subject to APRA policy, the Privacy Act, and the administrative law principles that govern public bodies.

These interactions mean that the determination is a focused administrative clarification within an existing statutory architecture, rather than a freestanding statutory change. It relies on, and must be read alongside, the APRA Act, the Financial Sector (Collection of Data) Act 2001, the Insurance Act 1973 and the Privacy Act 1988.

The determination itself is dated 20 September 2016 and states that it commences on the date of registration on the Federal Register of Legislation pursuant to the Legislation Act 2003. The instrument as provided contains no textual amendments or revision history beyond that date.

What the instrument records about temporal scope:

The Schedule repeatedly identifies that the reporting documents included are those “given to APRA on or before the date of this determination” (Schedule, Part 1, items 2 and 4). That makes the determination explicitly retrospective in scope with respect to the stock of material already submitted to APRA up to that date.
There is no provision in the instrument that purports to bind data provided after the determination date, and the instrument contains no savings or transition provisions about later submissions.

The instrument does not include any express amendment mechanism, sunset clause, or periodic review requirement. It is a single delegate-made determination that fixes the confidentiality status of a defined set of documents and the derived level 2 outputs as at the date of the determination.

As the instrument contains no further amendments or schedules indicating subsequent changes, the only amendment history recorded in the instrument itself is its own making and commencement date. If APRA or a future delegate were to issue a different confidentiality determination covering other reporting documents or a later period, that subsequent instrument would create a separate change; there is nothing in this instrument that amends or otherwise alters other statutory instruments, reporting standards, or Acts. The determination does not record any prior determinations as amended, nor does it list prior confidentiality determinations for these reporting standards.

For practitioners, the practical takeaway is that this determination is a one-time administrative act, applying to data submitted to APRA up to the determination date, and that any changes in APRA’s confidentiality posture for subsequent submissions would have to be the subject of a new determination or other statutory instrument.

The instrument itself does not record, cite, or refer to any litigation. There are no cases, judicial decisions, or tribunal determinations mentioned in the text. The Schedule and main body state the administrative facts and do not indicate any existing or pending legal proceedings relating to this determination.

Accordingly, from the face of this instrument there is no recorded litigation history. If a reporting entity or other interested party wished to challenge the determination, remedies may exist under administrative law, the APRA Act or other statutory avenues, but the instrument contains no reference to such actions. Any actual litigation or judicial scrutiny would need to be identified outside the instrument, in public court records or agency dispute files; the determination itself contains no litigation narrative.

Readers requiring information on whether this instrument has been the subject of challenge or judicial review will need to consult court records or APRA’s administrative records. The instrument does not supply any litigation history or decisions, nor does it reference any prior determinations that were litigated.

Several practical and interpretive issues arise from the instrument’s text. These are points that practitioners and reporting entities should watch closely.

Temporal limitation of scope. The Schedule makes the determination applicable to reporting documents “given to APRA on or before the date of this determination” (Schedule, Part 1, items 2 and 4). If an insurer provided additional or corrected data after 20 September 2016, that later material is not automatically captured by this instrument. Practitioners should not assume the determination applies to post-determination submissions unless APRA issues a further determination.
The precise meaning of the Part 2 carve-outs. Part 2 states: “Data items in respect of the following data dimensions are not covered by this Determination: data on state/jurisdiction and also occupation; and data on the limit of indemnity and also the excess/deductible.” The instrument uses the phrasing “and also”, which on its face excludes combined data items that simultaneously involve state and occupation, and combined data items that simultaneously involve LOI and EDA. The text does not say whether separate publication of state only, occupation only, LOI only or EDA only is excluded. The Schedule elsewhere includes state and occupation as separate dimensions in level 2 reports, which suggests the carve-out targets joint cross-tabulations rather than the individual dimensions. However, the drafting leaves room for interpretive disputes about whether a particular tabulation falls within the carve-outs. Entities should assume that cross-tabulations combining those dimensions remain confidential unless APRA provides clarification.
Personal information exclusion. The instrument reiterates that personal information within the meaning of the Privacy Act 1988 is excluded from publication. That means that even when the instrument declares a data item non-confidential, APRA may not publish it if it constitutes personal information under the Privacy Act. Reporting entities should not assume that anonymisation is automatic; consult privacy rules and APRA guidance.
Aggregate bins and potential granularity. The Schedule sets out many categorical bins for LOI and EDA and lists many cross-filters in level 2 outputs (for example “Year by Product (filter by: COB, State, Occupation, LOI, EDA)”). Even though the instrument declares most of those level 2 dimensions non-confidential, publication of finely sliced aggregates can raise operational concerns about re-identification or commercial sensitivity. The instrument does not itself address re-identification risk or commercial-in-confidence concerns beyond the specific Part 2 carve-outs and the Privacy Act limitation, so entities should be aware that the presence of these granular categories in level 2 reports means APRA can produce highly segmented public tables.
Coverage limited to reporting standards listed. The determination applies to data submitted under specific reporting standards (GRS 800.1-800.3 and LOLRS 800.1-800.3). It does not purport to cover other APRA reporting regimes or other data collection instruments. Entities must map which datasets and feeds were submitted under those exact reporting standards to know what is covered.
Administrative discretion and publication format. The instrument delegates the confidentiality change but does not prescribe how APRA will publish the data, the format, frequency, or accompanying explanatory material. Practitioners should not assume the outputs will match prior APRA publications in form or timing. Operational decisions may create further practical considerations.
No express remedies or penalties in the instrument. The determination does not spell out enforcement or recourse if APRA deviates from the carve-outs. Any challenge would have to rely on the APRA Act, administrative law principles, statutory interpretation or privacy law, but the instrument provides no procedural route.
Ambiguity about “extracted, for the purpose of preparing the level 1 reports”. The Schedule repeatedly refers to data extracted for preparing level 1 or level 2 reports. Stakeholders should confirm precisely which extracts and transformations APRA used to build the level 2 products, because different extraction or aggregation choices may alter what constitutes a covered non-confidential item.

In short, the main “gotchas” are the temporal cut-off, the textual ambiguity of the carve-outs in Part 2, the interaction with privacy law, the granular structure of level 2 outputs, and the fact that the instrument delegates administrative discretion without prescribing publication mechanics. Parties should seek confirmation from APRA or adopt conservative assumptions where the instrument is unclear.

For regulated entities, data providers and compliance officers, the determination creates specific compliance tasks. The following is a practical checklist, grounded in the Schedule and statutory references in the instrument, to align internal processes with the determination’s effects.

Identify covered submissions.
- Map all historical reporting documents submitted to APRA under Reporting Standards GRS 800.1, GRS 800.2, GRS 800.3 and the Lloyd’s equivalents LOLRS 800.1-800.3 that were given to APRA on or before 20 September 2016. The Schedule makes the determination applicable to those documents. Document submission dates and the reporting standard used.
Catalogue data fields against the Schedule.
- Prepare a field-by-field inventory that maps reported fields to the level 2 data measures and dimensions set out in the Schedule (gross written premium, gross earned premium, number of risks written, average earned premium; number of claims reported, number of claims finalised, gross claim payments, gross claims incurred; premiums received, claims paid, number of policies, number of claims and number of facilities; dimensions Year, Development year, COB, State, Product, Industry/Occupation, LOI, EDA, etc.). This will make it clear which reported items are potentially non-confidential under the determination.
Flag Part 2 carve-outs.
- Specifically flag any datasets and output cross-tabulations that combine state/jurisdiction and occupation in the same cell, and any outputs that combine limit of indemnity and excess/deductible in the same cell. The Schedule’s Part 2 explicitly excludes those data items from the non-confidential class. Treat those joint-dimension items as confidential in internal disclosure plans and confirm with APRA where necessary.
Review personal information handling.
- Identify any fields that may constitute personal information under the Privacy Act 1988. Although the determination treats many items as non-confidential, the note states that APRA’s publication power excludes personal information. Ensure your privacy compliance program has a record of which fields are personal information, how those fields were submitted, and whether they were anonymised or removed in the extracts APRA used to prepare level 1 and level 2 reports.
Validate aggregation and anonymisation practices.
- For any fields that are potentially small-count or could identify individuals or small organisations when cross-tabulated, document the aggregation or suppression rules used. Even if APRA can publish many items as non-confidential, prudent internal policy should track where outputs might risk re-identification.
Coordinate with legal and APRA contacts.
- If there is ambiguity about whether a specific extract or derived output falls within the Part 2 carve-outs, raise the question with APRA through the routine supervisory or data-collection channels and obtain written confirmation where feasible. Keep records of those exchanges.
Update internal disclosure and external communications.
- Revise any external-facing statements or contracts that refer to the confidentiality of historical reporting documents covered by the Schedule. Where contract clauses or commercial confidentiality claims referenced APRA’s prior confidentiality position, ensure those external agreements are consistent with the determination’s effects.
Retain evidence of submissions.
- Keep auditable records that show what was submitted to APRA and when, and the extraction transformations used to create level 1 inputs. The Schedule applies to data “extracted, for the purpose of preparing the level 1 reports, from reporting documents given to APRA” on or before the determination date, so maintaining a clear audit trail will be important for any future disputes or clarifications.
Prepare for potential public use and commercial impact.
- Consider how APRA publication of the level 2 outputs could affect underwriting, pricing, competition, or reputation. Although the instrument does not itself require insurers to alter pricing or product design, the availability of granular public data can change market information flows. Work with actuarial, pricing and commercial teams to simulate the possible consequences of APRA publishing the enumerated level 2 tables.
Confirm ongoing obligations under reporting standards and statutes.

Note that the determination does not change your ongoing reporting obligations under the Financial Sector (Collection of Data) Act 2001 or the content of reporting standards. Continue to comply with those reporting instruments and with APRA’s broader supervisory requests.

Keep monitor processes for updates.

Because the instrument applies only to submissions up to the determination date, watch for any subsequent APRA determinations that may alter confidentiality status for later reporting periods or additional report types.

This checklist is operational and rooted in the Schedule’s content and the statutory references in the instrument. It is not legal advice. Where a matter is ambiguous, such as the precise reach of the Part 2 carve-outs or whether a given output could be treated as personal information, seek legal guidance or written confirmation from APRA.

Australian Prudential Regulation Authority (confidentiality) determination No.2 of 2016

Plain English Summary

Deep Dive

What it does

Current sections

Australian Prudential Regulation Authority (confidentiality) determination No.2 of 2016

Source text: opening excerpt

1 Australian Prudential Regulation Authority (confidentiality) determination No.2 of 2016

Main concepts

Who it affects

Key duties and rights

Penalties and enforcement

How it interacts with other laws

Amendment history

Litigation history

Gotchas

How to comply