Australian Prudential Regulation Authority (confidentiality) determination No. 2 of 2021

This determination, made under paragraph 57(2)(a) of the Australian Prudential Regulation Authority Act 1998, declares that specified parts of reporting documents supplied to APRA do not contain confidential information, subject to limited exceptions listed in Part 2 of the Schedule. The delegate of APRA (Craig Blaser) signed and dated the determination 26 July 2021 and it is stated to commence on the date of registration on the Federal Register of Legislation.

Mechanically the instrument does three things. First, it identifies the class of reporting documents and the specific sets of APRA reports to which its non-confidentiality finding applies. It defines level 1 reports (policy and claims data reports for general insurers and Lloyd’s underwriters, including national and state claims reports) and level 2 reports (a larger set of policy, claim and facility reports and a defined set of data measures, dimensions and categories). Second, it specifies the temporal condition under which data items become non-confidential for APRA’s purposes: the determination applies to data items extracted from reporting documents given to APRA where at least 14 days have elapsed from the date the reporting documents were required to be given to APRA (see Parts 1 and 4). Third, it carves out two narrow classes of item combinations that remain confidential under the reporting documents: (a) data that is simultaneously detailed by state/jurisdiction and occupation; and (b) data that is simultaneously detailed by limit of indemnity and excess/deductible (see Part 2).

The legal basis is paragraph 57(2)(a) of the APRA Act as stated in the determination. The determination also links its coverage to reporting standards made under the Financial Sector (Collection of Data) Act 2001, specifically Reporting Standard GRS 800.1; GRS 800.2; GRS 800.3 for general insurers and LOLRS 800.1; LOLRS 800.2; LOLRS 800.3 for Lloyd’s underwriters. The document defines key terms for the purpose of the determination, including APRA, general insurer (as defined in s 11 of the Insurance Act 1973), Lloyd’s underwriters (as defined in s 3 of the Insurance Act 1973) and reporting document (as per s 13 of the Financial Sector (Collection of Data) Act 2001).

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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, Craig Blaser, a delegate of APRA, under paragraph 57(2)(a) of the Australian Prudential Regulation Authority Act 1998, determine the parts of a reporting document specified in Part 1 of the Schedule does not contain confidential information, except for the items of information specified in Part 2 of the Schedule.

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

Dated 26 July 2021

[Signed]

………………………………

Craig Blaser

Senior Manager, Business and External Data Reporting

Data Analytics & Insights

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, where a period of at least 14 days has elapsed from the date the reporting documents were required to be given to APRA, by general insurers and Lloyd’s Underwriters under the following reporting standards made under the Financial Sector (Collection of Data Act) 2001:

<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>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, where a period of at least 14 days has elapsed from the date the reporting documents were required to be given to APRA, by general insurers under the following reporting standards made under the Financial Sector (Collection of Data Act) 2001:

	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></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</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 </span><span>-</span><span> 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 </span><span>-</span><span> 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 2021

Australian Prudential Regulation Authority (confidentiality) determination No. 2 of 2021

800.2 and LOLRS 800.3

Australian Prudential Regulation Authority Act 1998

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

Dated 26 July 2021

[Signed]

………………………………

Craig Blaser

Senior Manager, Business and External Data Reporting

Data Analytics & Insights

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

The determination operates through a small set of recurring concepts. These are: (1) legal authority and scope; (2) report levels and the data they include; (3) a 14-day timing rule; and (4) explicit confidentiality exceptions.

Legal authority and scope. The instrument is made under paragraph 57(2)(a) of the APRA Act. It concerns “reporting document[s]” as that term is defined in section 13 of the Financial Sector (Collection of Data) Act 2001. The reporting standards that trigger the obligation to provide those reporting documents are named: GRS 800.1, GRS 800.2, GRS 800.3 for general insurers and LOLRS 800.1, LOLRS 800.2, LOLRS 800.3 for Lloyd’s underwriters. The determination therefore operates not by altering insurers’ reporting obligations but by declaring whether parts of those reports given to APRA will be treated as confidential.
Report levels. The Schedule distinguishes between level 1 and level 2 reports. Level 1 reports are listed as policy data reports (All States) and a set of claims data reports (national plus each state and territory). The level 1 coverage extends to “all data items extracted, for the purpose of preparing the level 1 reports, from reporting documents given to APRA” subject to the 14-day rule. Level 2 reports are a more detailed set of policy, claim and facility tabulations, each described by the types of filters available (for example Year by Product, Product by LOI, Occupation by Year). Level 2 also enumerates the data measures (for example gross written premium; number of claims reported; gross claim payments), data dimensions (for example year, development year, class of business, state/jurisdiction, product, industry/occupation, limit of indemnity, excess/deductible) and the categories available under those dimensions (for example LOI buckets 0-5m, 5m-10m, 10m+; EDA buckets $0-$499, $500-$999, $1,000+; industry/occupation codes including A Financial occupations, D Legal & Para Legal occupations, K Architects, N Defamation).
14-day timing rule. Both Part 1 and Part 4 state that the level 1 and level 2 reports include data items “extracted, for the purpose of preparing [the] level [1/2] reports, from reporting documents given to APRA, where a period of at least 14 days has elapsed from the date the reporting documents were required to be given to APRA” (emphasis in text). The operative trigger is therefore the date on which the reporting documents were required to be provided to APRA under the relevant reporting standards, not necessarily the date APRA received the documents.
Confidentiality exceptions. Part 2 provides that two classes of data item combinations remain confidential and are not covered by the determination: (a) data on state/jurisdiction and occupation together; and (b) data on the limit of indemnity and excess/deductible together. The Schedule language states that “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.” That is a narrow carve-out to the otherwise broad finding of non-confidentiality.

Other notable features in the text are operational constraints stated in the Schedule. For example the Schedule notes that “No detailed occupation information is available except on All States” and “No detailed state/jurisdiction information is available except on ‘ALL’” in certain dimensions. Those constraints define which cross-tabulations APRA intends to produce or permit under the level 2 schema.

Together these concepts define a regime where APRA will routinely treat large swathes of aggregated insurer reporting information as non-confidential for specified reporting products after a short waiting period, but will retain confidentiality for two specific combinations of dimensions that could, presumably, increase re-identification risk.

The determination directly affects three categories of actors, as defined in the instrument. First, APRA itself, as the agency with authority to classify parts of reporting documents as confidential or not under the APRA Act. The instrument is an internal APRA action formalised by a delegate, so APRA is both the decision maker and the initial user and publisher of the non-confidential data. Second, general insurers, defined by reference to s 11 of the Insurance Act 1973, which are required by reporting standards to deliver the referenced reporting documents to APRA. Third, Lloyd’s underwriters, as defined by s 3 of the Insurance Act 1973, for the equivalent set of Lloyd’s reporting standards (LOLRS 800.1 to 800.3).

More concretely, the determination affects entities that prepare and give reporting documents to APRA under the listed Financial Sector (Collection of Data) Act reporting standards. Those reporting standards are GRS 800.1, GRS 800.2 and GRS 800.3 for general insurers and LOLRS 800.1, LOLRS 800.2 and LOLRS 800.3 for Lloyd’s underwriters. The Schedule shows that both national-level and state-level claims reports are covered at level 1. Level 2 reports cover a broader range of policy, claim and facility reports with specified filters and measures.

Policyholders and claimants are affected indirectly. Data items extracted from reporting documents include premium and claim measures, policy counts, numbers of claims and various categorical breakdowns (class of business, product, occupation, LOI and EDA buckets). Once APRA treats these items as non-confidential the material can be used by APRA in aggregated reports, shared within APRA’s statutory functions and potentially disclosed or published in line with APRA’s usual processes. The Schedule title links the reporting to the National Claims and Policies Database, which indicates an intended use for sectoral data aggregation and analysis.

Other users of the data are affected in a downstream sense. Researchers, journalists, actuaries, competitors and government policy units likely benefit from increased access to aggregated insurer-level and sectoral data once APRA declares those parts non-confidential. The Schedule indicates which granular categories APRA will report or make available, including occupation categories (A to N etc.), LOI buckets, EDA buckets and class of business codes (PI, PL). The information available to these users will therefore change competitive and information environments.

Internal compliance, legal and data governance teams at insurers are affected because they must recognise that particular elements of the reporting documents they provide will be treated as non-confidential after the 14-day window. That recognition matters for commercial strategy, public communications, and internal controls over data classification.

Finally, privacy and confidentiality interests of individuals and small cohorts may be affected because the Schedule provides a detailed taxonomy of dimensions and categories that could create small cells when cross-tabulated. Part 2’s two specific confidentiality exceptions indicate APRA has identified particular dimension combinations as sensitive, but numerous other cross-tabulations are not explicitly protected by this determination.

The determination itself does not impose new reporting duties on insurers. It operates by clarifying APRA’s treatment of information supplied under existing reporting duties. The core legal duty that remains is the existing obligation to provide reporting documents under the Financial Sector (Collection of Data) Act 2001 reporting standards named in the instrument (GRS 800.1, GRS 800.2, GRS 800.3 and the LOLRS equivalents). The determination affects the rights and expectations that attach to information once given to APRA.

Rights and duties under the determination:

APRA’s decision-making authority. The instrument is made under paragraph 57(2)(a) of the APRA Act. It records that the delegate has determined that specified parts of reporting documents do not contain confidential information. APRA therefore acquires the right to treat those specified parts as non-confidential for its purposes after the 14-day period. The determination sets APRA’s internal classification rule and the scope of items APRA can treat as non-confidential.
Insurers’ duty to provide reporting documents. Insurers and Lloyd’s underwriters continue to have duties to provide reporting documents under the applicable reporting standards. The determination clarifies that certain data items in those documents will be regarded by APRA as non-confidential from a specified time.
Temporal condition rights. The 14-day rule is central. The determination applies where “a period of at least 14 days has elapsed from the date the reporting documents were required to be given to APRA” (Parts 1 and 4). This creates a temporal condition, meaning APRA will not necessarily treat the named data items as non-confidential immediately upon receipt but will do so once the 14-day interval from the reporting-document requirement date has passed.
Exceptions to non-confidentiality. Part 2 preserves confidentiality for two specified data combinations: (a) state/jurisdiction and occupation together; and (b) limit of indemnity and excess/deductible together. The right to confidentiality for those combined dimensions is therefore retained under this determination.

What is not changed by the determination:

The determination does not itself create a general right for third parties to obtain data. It establishes APRA’s internal classification of parts of reporting documents. Any subsequent release, sharing or publication by APRA will remain subject to APRA’s own processes, the APRA Act and any other applicable legal constraints that govern APRA disclosure practices. The determination does not, on its face, amend insurers’ reporting obligations or the underlying reporting standards.

Practical duties flowing from the determination for insurers and their advisers:

Insurers should treat the specified data items as potentially disclosable by APRA after the 14-day condition is met. That includes data measures and dimensions enumerated in the level 2 schedule such as gross written premium, number of risks written, number of claims reported, product, industry/occupation, LOI and EDA categories, state/jurisdiction, and so on, except where expressly carved out in Part 2.
Insurers should note that the “date the reporting documents were required to be given to APRA” is the operative date for the 14-day rule. That date is a legal concept tied to the reporting standards and not necessarily the date of transmission. Administrators should log that date in their records to assess when APRA may treat items as non-confidential.

Rights to challenge or query the determination are not spelled out in the determination text. Affected entities would need to rely on the general administrative law, APRA’s governance processes, or the appeals and review mechanisms available under statute for any dispute about how APRA handles, uses or publishes the data.

The determination itself does not stipulate criminal or civil penalties. It is a procedural classification instrument: a delegate’s determination under s 57(2)(a) of the APRA Act about whether specified parts of reporting documents “contain confidential information”. As such, the text does not create enforcement sanctions for non-compliance with the determination because the determination does not require action beyond clarifying APRA’s treatment of such information.

Enforcement implications derive indirectly from other legal regimes and APRA’s statutory functions:

Reporting obligations remain governed by the Financial Sector (Collection of Data) Act 2001 reporting standards identified in the Schedule. Non-compliance with those reporting standards is governed by the enforcement mechanisms in the Financial Sector (Collection of Data) Act 2001 and the APRA Act. The determination does not alter those compliance obligations or the sanctions attached to failing to provide required reporting documents.
The determination affects confidentiality classification. Once APRA treats parts of reporting documents as non-confidential, APRA may use, disclose or publish that information in accordance with its statutory powers and internal policies. If an insurer or third party claims APRA has disclosed information in breach of other statutory confidentiality obligations, any remedy or penalty would arise from the applicable statutory regime or administrative law, not from the determination itself.

Practical enforcement and risk points to note from the text:

APRA’s internal controls and decision-making are central. Because the determination is an APRA delegate’s declaration, enforcement of how APRA uses the data and whether it conforms with the determination’s carve-outs will be a matter internal to APRA’s regulatory and disclosure practice. The text does not set out APRA’s publication processes or redaction standards.
Confidentiality exceptions chart a narrow safe harbour. Part 2 specifies two combinations that remain confidential. If APRA or a delegate were to publish a table that inadvertently combined state and occupation, or LOI and EDA, an affected insurer might have administrative or legal recourse depending on the circumstances and the relevant statutory protections for confidentiality in the APRA Act or other laws. The determination itself does not prescribe remedies.
No penalties described. There are no fines, imprisonment provisions or civil penalties created or modified by this determination. Any penalty for failing to meet reporting standards or for unlawful disclosure of protected information must be sought under the other statutes that govern APRA and the reporting standards.

For persons relying on assurances about confidentiality in reporting documents, the determination changes the practical enforceability of confidentiality expectations for items covered by the Schedule. Entities should therefore update their internal compliance registers and consider administrative remedies or inquiries if they believe APRA has acted outside the scope of the determination.

The determination is explicitly anchored to two statutory regimes and to definitions in other Acts. Its interplay with those laws is consequential:

APRA Act 1998. The determination is made under paragraph 57(2)(a) of the APRA Act. That provision provides the legal authority for APRA to classify confidentiality for information that it receives. The determination does not amend the APRA Act but exercises an existing delegation power under it. Any challenge to the validity or application of this determination would therefore be measured against the scope and limits of the APRA Act and administrative law principles.
Financial Sector (Collection of Data) Act 2001. The instrument applies to “reporting documents” in the sense of section 13 of that Act and to specific reporting standards made under that Act, namely GRS 800.1-800.3 for general insurers and LOLRS 800.1-800.3 for Lloyd’s underwriters. The obligations to produce reporting documents remain a legal duty under the Financial Sector (Collection of Data) Act 2001 and its reporting standards. The determination specifies APRA’s confidentiality determination in respect of material supplied under those reporting standards. It therefore operates alongside, and is consequential to, the reporting duties established by that Act.
Insurance Act 1973 definitions. The determination imports the statutory meanings of “general insurer” (s 11) and “Lloyd’s underwriters” (s 3) from the Insurance Act 1973. That ensures a defined population of entities is captured by the determination and avoids confusion over which entities’ reporting is affected.
Privacy and other confidentiality obligations. The determination does not reference the Privacy Act 1988, state privacy laws, or other statutes that might constrain APRA’s use of personal or sensitive data. It does, however, retain confidentiality for two specific dimension combinations in Part 2. Because the determination is limited to APRA’s assessment of what parts of reporting documents “do not contain confidential information”, the interaction with privacy laws will depend on whether the data items, even if labelled non-confidential by APRA, include personal information as defined by the Privacy Act or other statutes. The determination text does not purport to override or displace obligations under privacy law, nor does it state that APRA may publish personally identifiable information. Practically, APRA’s use of the data will still need to comply with any applicable statutory privacy constraints and internal policies.
Reporting standard texts. The reporting standards themselves (GRS and LOLRS 800-series) are referenced as the source of the reporting obligations and the data fields. The determination’s scope is defined by what those reporting standards require insurers and Lloyd’s underwriters to submit. Any change to those reporting standards would in turn change the set of reporting documents and the data extractable under this determination.
Administrative law and review. The determination is an administrative act by an APRA delegate. Its exercise may be amenable to administrative review or judicial review if an affected party can establish standing and that review is available on statutory or common law grounds. The determination does not set out appeal procedures or review mechanisms; those would follow ordinary administrative law processes and any statutory review rights under the APRA Act or related statutes.

In short, the determination modifies APRA’s internal confidentiality classification for dataset elements that it receives under the Financial Sector (Collection of Data) Act reporting standards. Its interaction with other laws is principally that it sits on top of, and must be applied in the context of, the APRA Act, the collection-of-data regime under the Financial Sector (Collection of Data) Act, and any privacy or confidentiality constraints in other statutes. The determination does not itself amend those statutes.

The determination text supplied contains a single dated entry and signature block. It is dated 26 July 2021 and signed by Craig Blaser, Senior Manager, Business and External Data Reporting, Data Analytics & Insights, as a delegate of APRA. The determination states that it commences on the date of registration on the Federal Register of Legislation.

No amendments, revocations or superseding instruments are included in the supplied text. The determination does not contain a schedule of prior instruments or indicate that it replaces an earlier determination. There is no amendment history recorded within the instrument itself.

Practical implications of the absence of recorded amendments in the text:

The July 2021 determination should be treated as the operative version until a subsequent APRA determination or legislative change explicitly modifies it. Any change to the underlying reporting standards (GRS/LOLRS) or to the APRA Act would not automatically alter the determination; APRA would need to make a new or amending determination under paragraph 57(2)(a) if it wished to change the confidentiality classification.
Because the instrument commences on registration on the Federal Register of Legislation, the registered version and its registration date are the authoritative source for when the non-confidential classification applied. Practitioners should check the Federal Register of Legislation for the formal registration entry and for any later instruments amending or revoking this determination.
Insurers and Lloyd’s underwriters should review their compliance registers for any subsequent APRA communications or determinations that might expand or reduce the set of non-confidential items, or change the temporal conditions. The determination text does not itself provide a mechanism for revision, so practitioners should monitor APRA publications.

If parties need to rely on this instrument for legal or compliance planning they should verify the current status and any later amendments on the Federal Register of Legislation or APRA’s website.

The determination text does not record or reference any judicial or tribunal decisions, and no cases are named in the instrument. The document is an administrative determination and no litigation or challenge is mentioned in the text provided.

Because the determination is an instrument exercising a statutory power under the APRA Act, potential litigation pathways (not described in the instrument) for affected parties would be through administrative law channels. Possible causes of action, depending on circumstances not disclosed in the determination, might include judicial review challenges based on jurisdictional error, procedural fairness, or improper exercise of power. None of those prospects is described or exemplified in the text.

For practitioners seeking precedent or adjudicated guidance on similar APRA confidentiality determinations, there are no cases cited in the determination itself. Users should therefore treat the document as a standalone administrative determination and consult external legal databases or APRA communications for any subsequent legal challenge or judicial treatment of this particular determination or of related APRA confidentiality determinations.

In practice, any litigation history relevant to this determination would need to be sourced from the Federal Court, Full Federal Court or other tribunal decisions post-dating 26 July 2021 that deal with APRA’s classification or disclosure of sectoral reporting data. Those materials are not part of the supplied text.

Several practical pitfalls and traps arise from the wording and structure of the determination. These are matters that compliance teams, general counsel and data teams should note and address.

The 14-day trigger is tied to the date the reporting documents were required to be given, not necessarily the date APRA received them. The Schedule states the temporal condition as “where a period of at least 14 days has elapsed from the date the reporting documents were required to be given to APRA.” That formulation creates a potential timing mismatch. If a reporting standard prescribes a reporting deadline, that required date starts the 14-day clock even if the supplier delivers late. The practical consequence is that insurers must track the statutory required date rather than their transmission date to determine when APRA may treat data as non-confidential.
Broad non-confidential coverage with narrow exceptions. The Schedule covers “all data items extracted, for the purpose of preparing the level 1 reports” and similarly for level 2 reports, subject only to two specified dimension combinations retained as confidential in Part 2. The narrowness of the carve-out may be surprising to those expecting broader protections for commercial sensitivity or small-cell privacy. Insurers should not assume large classes of variables are protected beyond the two combinations listed.
Cross-tabulation and small cells. The level 2 specification includes many granular dimensions and categories (occupation codes, LOI buckets, EDA buckets, state and product filters). While Part 2 prevents disclosure of state and occupation together, it does not prevent cross-tabulation of occupation with other dimensions (for example occupation by product, occupation by LOI where LOI is not combined with EDA). That raises potential re-identification or small-cell risk when cells represent low counts. The determination does not set out APRA’s thresholds for minimum cell counts or redaction protocols in such cases.
“No detailed occupation information is available except on All States” and similar constraints are stated in the Schedule. These operational notes limit some cross-tabulations, but the Schedule also lists many filters where combinations may be possible. Practitioners must read the Schedule carefully to understand which detailed cross-tabulations APRA intends to produce and which are constrained.
Ambiguities in wording. The phrase “include all data items extracted, for the purpose of preparing the level [1/2] reports, from reporting documents” could be read broadly to include every element insurers are required to supply under the reporting standards, when used for those level-reporting purposes. That breadth means that even fields that a provider regards as sensitive could fall within the reach of the determination if those fields are extracted to prepare the listed reports.
Interaction with privacy law is not addressed. The determination does not reference the Privacy Act or other personal-data regimes. Insurers must therefore consider separately whether elements of the reporting documents contain personal information and whether APRA’s treatment of those elements as non-confidential raises privacy law issues. The determination does not disclaim or resolve that legal interaction.
Operational expectations about APRA publishing or sharing. The instrument determines non-confidentiality for specified parts of reports but does not specify how APRA will publish, share or otherwise use the data. Organisations may expect that non-confidential equals public publication. The determination does not create that obligation. Parties should not assume public release; they should check APRA’s publication policies or make enquiries if publication timing and scope matter commercially.
Two narrow confidentiality protections may be insufficient for business-sensitive combinations. The Schedule protects state + occupation combinations and LOI + EDA combinations. Other combinations that may be commercially sensitive are not protected by this determination. Businesses should assess whether their commercial confidentiality expectations are aligned with the limited exceptions in Part 2.
Delegation and administrative practice. The instrument is signed by an APRA delegate rather than by APRA’s governing body. That is lawful under s 57(2)(a) but practitioners should be alert to the fact that APRA may, in practice, update or refine its approach through subsequent determinations or internal policies. The absence of an amendment history in this text means stakeholders should monitor APRA channels for changes.
Potential mismatch between data taxonomy and internal systems. The Schedule’s occupation, product, LOI and EDA categories may not map neatly to an insurer’s internal classifications. Adequate data transformation and mapping will be required to produce reporting documents that meet the categories APRA expects. Mistakes in mapping could result in inadvertent disclosure of information APRA treats as non-confidential.

These “gotchas” are concrete consequences of the determination’s drafting and the limited scope of its confidentiality carve-outs. They indicate where firms will need to apply legal and data governance judgement.

Insurers, Lloyd’s market participants and their advisers should take the following practical steps grounded in the determination’s terms.

Identify the applicable reporting standards and reporting-document due dates. The determination applies to reporting documents required under Reporting Standard GRS 800.1, GRS 800.2, GRS 800.3 for general insurers and LOLRS 800.1, LOLRS 800.2, LOLRS 800.3 for Lloyd’s underwriters. For each reporting obligation, record the statutory or regulatory date that constitutes “the date the reporting documents were required to be given to APRA.” That date starts the 14-day window after which data elements may be treated as non-confidential by APRA.
Map internal data fields to the level 1 and level 2 schedules. The Schedule lists the level 1 reports (policy and claims reports by state and national) and the level 2 report set with specific measures and dimensions (gross written premium; number of risks written; number of claims reported; premium buckets; LOI buckets; EDA buckets; class of business PI/PL; product categories; occupation and ANZSIC codes). Prepare a crosswalk from your internal data schema to the APRA taxonomy to ensure submissions populate the exact fields APRA expects. This prevents accidental miscoding that could either under-report or cause the extraction of data fields that APRA will treat as non-confidential.
Log the “required to be given” date in submission records. Because the 14-day rule runs from the reporting-document due date, compliance teams should record that date and maintain an audit trail showing when the reporting standard required reporting documents to be given. This is a key control to determine when APRA may treat specified parts of the reporting documents as non-confidential.
Review internal confidentiality and commercial sensitivity policies. Where management has treated particular fields as commercially confidential, the determination may alter expectations. Conduct an internal review to identify which fields and cross-tabulations fall within the Schedule’s non-confidential scope, and which remain protected by Part 2. Note that Part 2 only preserves confidentiality for two specific combinations: state & occupation together; and LOI & EDA together. Adjust external statements and communications accordingly.
Assess privacy and personal-information risk separately. The determination does not resolve obligations under the Privacy Act 1988 or other privacy instruments. If reporting documents include personal information, consult privacy counsel to ensure submissions comply with privacy law and to understand how APRA’s handling of that information intersects with privacy obligations.
Update contracts and confidentiality undertakings to reflect the revised expectation. Where insurers have confidentiality contracts, non-disclosure agreements or undertakings with third parties based on APRA reporting submissions, those contracts may need to be revised or annotated to reflect that APRA may treat certain material as non-confidential after the 14-day window. Those agreements should clearly state that data supplied to APRA under the named reporting standards may be classified as non-confidential in accordance with APRA determinations.
Engage APRA on publication practices where necessary. The instrument determines non-confidentiality but does not commit APRA to a particular release mechanism or publication frequency. If the commercial interests of the insurer make timely awareness of APRA publication critical, consider engaging APRA’s reporting or data teams to clarify how and when APRA will publish or share level 1 and level 2 outputs.
Prepare data transformation and aggregation rules to avoid inadvertent disclosures. Because level 2 includes granular dimensions and categories, set internal aggregation, minimum-cell and redaction rules when preparing reported datasets. While APRA has declared most listed items non-confidential, careful aggregation avoids producing small cells that could be sensitive if combined with external datasets.
Train operations and data teams on the mapping and the 14-day rule. Make sure the teams that prepare reporting documents and the teams that manage public affairs understand that APRA’s confidentiality treatment will change after the specified 14-day period. Operational mistakes in timing, mapping or labelling could lead to surprises.
Maintain a watch for further APRA determinations or changes to reporting standards. The instrument does not indicate any automatic revision mechanism. Monitor APRA communications and the Federal Register of Legislation for any amending determinations, revocations, or updates to GRS/LOLRS reporting standards that would change which data items APRA receives and classifies.

These steps are practical translations of the determination’s operative mechanics. They aim to ensure that entities comply with their reporting obligations and are prepared for APRA’s subsequent handling of reported material under the non-confidentiality classification set out in the Schedule.

Australian Prudential Regulation Authority (confidentiality) determination No. 2 of 2021

Plain English Summary

Deep Dive

What it does

Current sections

Australian Prudential Regulation Authority (confidentiality) determination No. 2 of 2021

Source text: opening excerpt

1 Australian Prudential Regulation Authority (confidentiality) determination No. 2 of 2021

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