Financial Sector (Collection of Data) determination No. 30 of 2005 Reporting Standard GRS 800.1 (2005) Financial Sector (Collection of Data) Act 2001
I, Charles Watts Littrell, a delegate of APRA, under paragraph 13(1)(a) of the Financial Sector (Collection of Data) Act 2001 (‘the Act’) MAKE the reporting standard set out in the Schedule, which applies to general insurers within the meaning of the Insurance Act 1973.   Under section 15 of the Act, I DECLARE that the reporting standard shall begin to apply to general insurers on the later of 1 July 2005 and the date of registration on the Federal Register of Legislative Instruments.     Dated 21 June 2005     [signed] ……………………............ Charles Littrell Executive General Manager Policy, Research and Statistics Division APRA     Interpretation In this Notice   APRA means the Australian Prudential Regulation Authority.  
Schedule              
  Reporting Standard GRS 800.1 (2005)   Policy Data: Public and Product Liability and Professional Indemnity Insurance    
Objective of this reporting standard
This reporting standard is made under section 13 of the Financial Sector (Collection of Data) Act 2001 (the Collection of Data Act).  It requires general insurers (insurers) to provide APRA with information on public liability, product liability and professional indemnity policies in force during a reporting period.  
Reporting requirements 1.             If, at any time during a reporting period covered by paragraph 2, a reportable policy of an insurer is in force, the insurer must report on the policy, in accordance with the Data Specifications, by the time in paragraph 3. Note: reportable policy is defined in paragraph 15. 2.             For the purposes of the paragraph 1, the reporting periods are the six month period beginning on 1 January 2005 and ending on 30 June 2005 and each successive 6 month period (ending on a 31 December or a 30 June) after that.  3.             A report required by paragraph 2 must be provided: (a)           if the reporting period ends on 30 June – by no later than the 31 August next following the end of the reporting period; or (b)          if the reporting period ends on 31 December – by no later than the last day of the month of February next following the end of the reporting period or such later time as APRA may determine in writing.  APRA may determine a later time in writing in relation to all insurers, or a class of insurers, or one or more insurers named in the determination.
Variation of reporting periods 4.             APRA may, by notice in writing, change the reporting periods for a particular insurer so that it is required to report in respect of reporting periods based upon the insurer’s own accounting financial year. 5.             APRA may, by notice in writing, change the reporting periods for a particular insurer to require it to provide reports under this reporting standard: (a)           more frequently (APRA may require this when, having regard to the particular circumstances of the insurer, APRA considers it necessary or desirable to obtain information more frequently for the purposes of the prudential supervision of the insurer); or (b)          less frequently (APRA may do so when, having regard to the particular circumstances of the insurer and the extent to which it requires prudential supervision, and other relevant considerations, it is unnecessary to require it to provide the information on a 6 monthly basis). 6.             If APRA changes a reporting period under paragraph 4 or 5, a report required under this reporting standard in respect of the changed period must be provided by no later than the last day of the second month after the end of the changed period or such later time as APRA may determine in writing.   Method of submission
7.             Reports required by this reporting standard must be rendered in comma separated values (CSV) format in accordance with the Data Specifications, and must be provided either: (a)           electronically through the web site www.ncpd.apra.gov.au, by logging on using the relevant customer identification number and password provided by Fujitsu Australia (as agent of APRA), and following the instructions on that web site; or (b)          on CD-ROM, which must be sent by post to Fujitsu Australia (as agent of APRA), Level 16, 15 Blue Street, North Sydney, NSW, 2060. 8.             Despite paragraph 7, APRA may, in writing, make either or both of the following determinations: (a)           a determination that reports required by this reporting standard must be provided in accordance with alternative information technology requirements specified by APRA in the determination; and (b)           a determination that reports required by this reporting standard must be provided to APRA or an agent of APRA at an alternative address in accordance with requirements specified in the determination. Authorisation
9.             Reports provided by an insurer in accordance with this reporting standard must be the product of processes and controls developed by the insurer for the internal review and authorisation of the information contained in the reports.  It is the responsibility of the board and senior management of the insurer to ensure that an appropriate set of policies and procedures for the authorisation of data provided to APRA is in place. 10.         Fujitsu Australia (as agent of APRA) will provide each insurer with a customer identification number.  If an insurer proposes to submit reports required by this reporting standard using the method in paragraph 7(a) (i.e. via the website), the insurer must apply for a password by viewing the web page referred to in paragraph 7(a), quoting the insurer’s customer identification number and following the instructions for applying for a password on that page.  Fujitsu Australia will advise the insurer’s Chief Financial Officer of the password for the insurer.  When a report is provided using the method in paragraph 7(a), the insurer will be required to quote its customer identification number and password.  Upon successful validation of the customer identification and password a secure session will be created and the report will be encrypted before transmission. 11.         If a report required by this reporting standard is provided using the method in paragraph 7(b) (i.e. on CD-ROM), it must be provided under cover of a letter signed by either: (a)           the Principal Executive Officer of the insurer; or (b)           the Chief Financial Officer of the insurer. 12.         Despite paragraphs 10 and 11, where APRA has made a determination under subparagraph 8(a) or (b) specifying an alternate method of submission, APRA may also determine in writing that: (a)           a specified person (who need not be the Principal Executive Officer or Chief Financial Officer) of the insurer; (b)          a person holding a specified position (which need not be the position of Principal Executive Officer or Chief Financial Officer) of the insurer; or (c)           a person authorised by the insurer to use the insurer’s customer identification number and password, may, or must, authorise (in a manner specified) information provided by the insurer under this reporting standard. Minor alterations to forms and instructions
13.         APRA may: (a)           make minor variations to the Data Specifications (either generally, or in relation to a class of insurers, or in relation to a particular insurer) to correct technical, programming or logical errors, inconsistencies or anomalies; (b)          vary, omit or substitute (either generally, or in relation to a class of insurers, or in relation to a particular insurer) an occupation code or description in Appendix B to the Data Specifications, if APRA forms the view that the existing code or description is inappropriate having regard to the circumstances or business of each relevant insurer and any other relevant considerations; or (c)           vary, omit or substitute (either generally, or in relation to a class of insurers, or in relation to a particular insurer) a specification in a Table in the Data Specifications, if APRA forms the view that the specification is inappropriate having regard to the circumstances or business of each relevant insurer and any other relevant considerations. 14.         If APRA makes such a variation it must notify affected insurers in writing. Interpretation 15.         In this reporting standard: agent of APRA means a person appointed under s 47 of the Australian Prudential Regulation Authority Act 1998 to receive data on behalf of APRA. APRA means the Australian Prudential Regulation Authority established under the Australian Prudential Regulation Authority Act 1998. Chief Financial Officer means the person having the function of chief financial officer of the insurer, by whatever name called, and whether or not he or she is a member of the governing board of the entity, and if there is no such person means a person who performs similar functions to those commonly performed by a chief financial officer. Data Specifications means the Data Specifications in the Schedule. Fujitsu Australia means Fujitsu Australia Limited ABN 19 001 011 427. general insurer has the same meaning as in the Insurance Act 1973.  insurer means a general insurer. Principal Executive Officer means the principal executive officer of the insurer for the time being, by whatever name called, and whether or not he or she is a member of the governing board of the entity. product liability insurance includes policies that provide for compensation for loss and or injury caused by, or as a result of, the use of goods. professional indemnity insurance includes: (a)           insurance that provides cover for a professional for actions taken against that professional in tort, contract or under statute law in respect of advice or services provided as part of their professional practice, including cover in respect of damages and legal expenses; (b)           directors’ and officers’ liability insurance and legal expense insurance; and (c)           medical indemnity insurance. public liability insurance includes: (a)           insurance covering legal liability to the public in respect of bodily injury or property damage arising out of the operation of the insured’s business; and (b)           insurance in respect of environmental clean-up costs resulting from pollution where not covered by Fire and Industrial Special Risk policies. reportable policy means an insurance policy, entered into on or after 1 January 2003, of product liability insurance, professional indemnity insurance or public liability insurance, but does not include: (a)           reinsurance or retrocession cover; (b)           marine insurance; or (c)           domestic householder’s or owner’s insurance, or tenant’s liability insurance, sold in conjunction with a building or contents policy; or (d)           an insurance policy solely in relation to an event that could neither occur in Australia nor in relation to an insured resident of Australia. 16.         For the purposes of paragraphs 3 and 6, where a report must be provided no later than a particular date, an insurer is required to ensure that the report is received by the person to whom it must be provided (whether APRA or an agent of APRA) no later than that date.
Schedule   Data specifications for individual policies for public and product liability and professional indemnity Insurance Overview  These specifications have been prepared for the purpose of defining the policy information required to be submitted by general insurers in respect of public and product liability and professional indemnity insurance.  This information will contribute to a National Claims and Policy Database (NCPD) in respect of these classes of insurance.  The intention is to create a database that holds information in respect of claims and policies for public and product liability and professional indemnity on a national basis.  State and Territory Government insurers will also contribute to the NCPD where possible.[1]    Details of requirements in relation to reporting periods, method of submission and authorisation are set out in the reporting standard.  The data submitted by each general insurer will be validated by APRA each reporting period. The data validation to be performed is outlined in Appendix C. Record Layouts and Field Specifications Policy Data Specifications
Policy Data
Data Item
Public & Products
Professional Risk
Field type1
1*
Insurer code
M
M
6a
2*
Class of Business
M
M
2a
3*
Record type
M
M
1a
4*
Policy Basis
M
M
1a
5*
Status
M
M
1a
6*
Month of end of Reporting Period
M
M
8a
7*
Policy number
M
M
30a/n
8*
Risk number
M
M
30a/n
9*
Product type
M
M
3a
10
Original Inception Date
O
O
8a
11
Date of commencement / inception (Term Inception Date)
M
M
8a
12*
Effective Start Date
M
M
8a
13
Term Expiry Date
M
M
8a
14*
Effective End Date
M
M
8a
15a
  Gross Annualised Premium
T
T
12n
15b
  Gross Earned Premium
T
T
12n
16
Gross Written Premium
M
M
12n
17a
   Turnover
S
S
25a/n
17b
   Total assets
S
S
25a/n
17c
   Professional fees
S
S
25a/n
17d
   Total number of staff
S
S
25a/n
17e
   Other
S
S
25a/n
17f
   Description of “Other”
R
R
50a
18
State
O
M
3a
19
Postcode 
M
O
4n
20
Excess/Deductible/Attachment point
M
M
12n
21
Limits of Indemnity
M
M
12n
22
Nature of Insured Organisation/Occupation
M
M
6a or 4n
23
Coinsurance proportion
M
M
6n
  1 Date must be DDMMYYYY, no delimiter. Key: M – mandatory field on all records from 1 July 2004. O – Optional field S or T – at least one of these field must contain a value (i.e. not blank). R – Mandatory field if field 17e is used. a – alpha n - Numeric * Fields so indicated, as a combination, must be unique.   Note:  Where a policy is endorsed during the reporting period, separate records should be submitted for the exposure before and after the endorsement showing the relevant factors. If there are multiple endorsements or an endorsement covering the entire policy term that duplicates the unique record key (as above), then these records must be aggregated to create a single record that contains the latest statistical data relevant to the policy. See Appendix A, scenario 3 for example exposure records.  
Policy Record Data Field Definitions
1.             Insurer code A unique code assigned by APRA to each contributor 2.             Class of Business ·               PL = Public & Product ·               PI = Professional Risk 3.             Record type ·               P = Policy record
4.             Policy Basis ·               C = Claims Made basis ·               L = Losses Incurred basis 5.             Status ·               N = New ·               R = Renewal Code R where the insurer made a renewal offer to the policyholder and the policy was renewed, whether or not adjustments were made to policy details or coverage on renewal, i.e. there is effective continuity with the insurer, even if the policy is not technically renewed, such as with claims made policies under the Insurance Contracts Act. Code all other policy records as N. The Status on an endorsement or cancellation should match that of the base policy. That is, endorsements on a renewed policy would have a status of 'R', while an endorsement on a new policy would have a status of 'N'.  6.             Month of End of Reporting Period The data for each submission will relate to a six month period.  Enter as DDMMYYYY the last day of the period being reported, e.g. insert 30062004 for data relating to the six months ending 30 June 2004. 7.              Policy Number              A unique policy identifier (which may relate to several separate risk records) by which the exposure and premium information on each individual record can be identified.  This information is only used for cross-referencing by APRA – it will not be published except in any individual data reports prepared for the insurer concerned. 8.             Risk Number A unique risk identifier (which may be the same as the policy number if the policy contains a single risk) by which the exposure and premium information on each individual record can be identified.  This information is only used for cross-referencing by APRA – it will not be published except in any individual data reports prepared for the insurer concerned.  9.              Product Type (Table 1)
Class
Public & Products
Professional Risk
Public liability (pure)
PUB
 
Products liability (pure) and product recall
PRO
 
Mixed public/products cover ('Broadform' liability)
BRD
 
Construction liability
CON
 
Environmental impairment liability
EIL
 
Excess Liability
EXL
 
Excess Umbrella
EXU
 
Umbrella covers
UMB
 
Other
PLO
 
Professional indemnity (not medical malpractice) and errors & omissions
 
PII
Association Liability
 
ASN
Directors' and Officers' liability
 
D&O
Defamation Insurance
 
DFI
Employment Practices
 
EPL
Financial Institutions Policy
 
FIP
Information & Communication Technology Insurance
 
ICT
Medical Indemnity/Malpractice
 
MAL
Superannuation Trustees
 
STL
Other
 
PIO
  Note: where business is written as part of a package policy, the “Product type” is to be based on the nature of the cover offered, as set out in the above table.  The fact that cover is sold in conjunction with other types of insurance is not collected.  10.        Original Inception Date                                                       Enter as DDMMYYYY the date when cover under this policy was first issued to the client.  Where this information is not available, enter a hyphen (“-”).  11.        Date of  Commencement/Inception (Term Inception Date) Enter as DDMMYYYY the start date of the reported policy term. For new business this must be the same value as field 10. 12.        Effective Start Date Enter as DDMMYYYY the start date on which the period of exposure commenced for the set of rating factors reported with this record. If the record is an endorsement, the 'effective start date' is the date on which the endorsement commenced. If the record is a cancellation, both the 'effective start date' and 'effective end date' will be the date that the policy was cancelled. Where the record is not an endorsement or cancellation, the 'effective start date' should equal the 'term inception date'. Where there are multiple endorsements in one reporting period, each endorsement must be reported. Note: If there are transactions (e.g. multiple endorsements with the same effective start and end dates or an endorsement covering the entire policy term) that duplicates the unique record key, then these records must be aggregated to create a single record that contains the latest statistical data relative to the policy. Where there is an endorsement that covers the entire policy term, the endorsement record should be aggregated with the new business or renewal record to represent the endorsed policy details.
13.        Term Expiry Date Enter as DDMMYYYY the end date of the reported policy term. This date is to remain unchanged for a cancellation to enable the correct calculation of GEP. 14.        Effective End Date (for the purpose of tracking endorsements & cancellations) Enter as DDMMYYYY the date on which the period of exposure is due to cease for the set of rating factors reported with this record. If the record is an endorsement, the 'effective end date' will be the date on which the endorsement concludes. If the record is a cancellation, both the 'effective start date' and 'effective end date' will be the date that the policy was cancelled. Where the record is not an endorsement or cancellation, the 'effective end date' should equal the 'term expiry date' 15.        Premium (This field is not used) You can choose to submit data for either 15a (Gross Annualised Premium) or 15b (Gross Earned Premium). However, you can submit data for both items if you have it available.  If you only provide GAP, the NCPD will calculate the GEP based on this amount. The system will not prevent you from reporting both. Where only one field is populated, the alternative field should be reported with a blank or a hyphen (“-“) but not a zero.   15a.    Gross Annualised Premium In this field insert (your co-insured share of) the gross annualised premium in force based on the rating factors represented by this record (in whole $, no decimal points).  Exclude all statutory charges (Stamp Duty, GST, and also exclude Fire Service Levies) but include others costs (such as commissions and instalment charges). If the policy is for a term other than twelve (12) months, pro-rate the premium to a 12-month period.  Note that the premium for “short term events” cover should not be annualised. “Short Term Events” are defined as those that cover a specific period that is less than one month e.g. a sporting event over a long weekend or an annual festival. Where a number of risks are reported separately, only the premium associated with that risk should be reported.  Note that this is NOT the gross written premium – it is the rate of premium for a full 12 months cover based on the rating factors that apply to the policy at the effective start date (field 12).  For the principle policy, the GAP must be reported in each and every reporting period, i.e. the original GAP amount will be reported each time the record is reported. For an endorsement, the incremental change in GAP should be reported. For example, if the original policy was an annualised $1,000, and an endorsement to the policy increased the total premium (from inception) by $100, to $1,100, then $100 should be reported as the GAP on the endorsement record. For a cancellation, the reported GAP amount will be the annualised amount (if any) refunded to the policy holder, stated as a negative. Negative numbers should be reported with a minus sign '-'.  Where records are aggregated due to duplication of the unique record key, the GAP must be the combined value of the GAP for all of the aggregated records. In some cases (particularly endorsements) it would not be unusual to have a zero annualised premium.  15b.   Gross Earned Premium (GEP)      In this field, insert (your co-insured share of) the earned amount of gross annual premium for the exposure of this policy during the reporting period (in whole $, no decimal points) between the effective start date (field 12) and effective end date (field 14).  Include the same components as for gross annualised premium. Where a number of risks are reported separately, only the premium associated with that risk should be reported.  For endorsements and cancellations, the GEP should still be the earned amount of gross annual premium for the exposure of this endorsement or cancellation during the reporting period (in whole $, no decimal points) between the effective start date of the endorsement or cancellation (field 12) and effective end date of the endorsement or cancellation (field 14). For an endorsement, the GEP will recognise the value of the premium earned on the endorsement for the relevant reporting period. For example, if the written premium on the endorsement was an incremental increase of $200, the GEP reported for the endorsement would represent the premium earned during the reporting period in respect of the incremental $200 written. Negative numbers should be reported with a minus sign '-'.  Where records are aggregated due to duplication of the unique record key, the GEP must be the combined value of the GEP for all of the aggregated records. 16.        Gross Written Premium (GWP) In this field insert (your co-insured share of) the gross written premium for the exposure of this policy. Exclude all statutory charges (Stamp Duty, GST, and also exclude Fire Service Levies) but include others costs (such as commissions and instalment charges). Where a number of risks are reported separately, only the premium associated with that risk should be reported.  For endorsements and cancellations, the incremental change in GWP should be stated. For the principle policy, the GWP must be reported in each and every reporting period, i.e. the original GWP amount will be reported each time the record is reported. For an endorsement, the incremental change in GWP should be reported. For example, if the original policy was for $1,000, and an endorsement to the policy increased the total premium by $200, to $1,200, then $200 should be reported as the GWP on the endorsement record. For a cancellation, the reported GWP amount will be the amount (if any) refunded to the policy holder, stated as a negative amount. Negative numbers should be reported with a minus sign '-'.  Where records are aggregated due to duplication of the unique record key, the GWP must be the combined value of the GWP for all of the aggregated records. 17.        Risk Factor (This field is not used) Risk factor is a measure of the relative exposure that the policy represents. This should be the total value of the organisation, not the insurer’s share of risk (but see note on policy field item 23 below).  All fields from 17a to 17e must be provided with either a blank or a value based on the definitions below. At least one of the fields must be contain a value and if 17e contains a value then 17f must provide a brief description. Each field may be reported in whole dollars or as a band. If you report fields in bands, show the range of the band in whole dollars e.g. if turnover is up to $5 million, enter “1-5000000”, if between $20 million and $50 million, “20000001-50000000”.  Commas must be excluded from all numbers. 17a.    Turnover                                                                                                         Most recently declared annual turnover represented by this risk record. 17b.   Total Assets                                                                                                   Most recent prior year business assets represented by this risk record. 17c.    Professional Fees                                                                                         Most recent prior year annual professional fees represented by this risk record.  17d.   Total number of staff                                                                                    Most recent prior year number of full-time equivalent staff members employed in the insured business or practice, whether or not members of a profession.  17e.    Other If any of 17a, 17b, 17c or 17d contains a value, then this field must be blank. However if none is applicable then this field must contain a value and a brief description of the risk factor must be provided in field 17f.
17f.      Other Description If 17e contains a value, this field must contain a brief description of the risk factor of the value provided in field 17e. 18.        State [Required for professional risk] For professional risks, this should be the state (ACT, NSW, NT, QLD, SA, TAS, VIC and WA) where work is done; if multi-state cover is provided, include the state where the majority of work is done. For EPL and D&O, provide the state where the head office is located. This would be expected to be sourced from data for stamp duty split purpose. Where this information is not available for public and products liability, enter a hyphen (“-“). 19.        Postcode [Required for public and products liability] Enter the Postcode of the location of the principal risk.  If not available, enter the postcode of the head office or the postal address of the policyholder. Where this information is not available for professional risk, enter a hyphen (“-“). 20.        Excess/Deductible/Attachment Point     How much of any claim that an insured must bear before the insurer becomes liable (in whole dollars). Where different levels exist for different causes of claim, enter the excess that is most commonly applied for such policies, or where that is not available, the minimum applied. For Liability XOL policies, the attachment point should be reported. 21.        Limit of Indemnity     Insert your (share of the) limit of indemnity in whole dollars disregarding any excess payments by the insured. 22.        Nature of Insured Organisation/Occupation For Public and Products Liability, EPL and D&O risks, use the principal classification of the business from the latest edition of Catalogue Number 1292.0 Australian and New Zealand Standard Industrial Classification (ANZSIC), published by the Australian Bureau of Statistics and available on their web site.  Provide data at the 4-digit ANZSIC code level. Any reports or publications will be aggregated to the 2 digit level ANZSIC. Residential strata owners’ liability is collected under ANZSIC classification 7711- Residential Property Operators, whereas for Commercial Property Operators it is either 7712 or the occupation code that is most closely aligned with the tenancy of the strata. For Professional Risks (excl EPL and D&O), use the codes provided in Attachment B except for code “OMULTI” which is only for use for facility business. Where an appropriate code does not exist for the insured organisation, the first character of the appropriate industry may be used. 23.        Coinsurance Proportion Your proportion of a co-insured risk, to 2 decimal places (e.g. 66.66 for 66.66%, or 100.00 for 100%).  Advise APRA of how you record (a) turnover (b) limit of indemnity (c) premium (d) losses – 100% of the risk or just your share.  The preferred form of data submission is indicated under each individual data field in this specification. The expected value in this field is 100.00 if no coinsurance applies to the policy.

Appendix A: Example Treatment of Exposure Records
Insurers are to provide an initial record for each policy/risk at the start of each period with additional records each time that policy/risk changes in any way in terms of its exposure.  The following sets out the expected relationship between Gross Annualised Premium and Gross Earned Premium for your information.  Note: Start date = Term Inception Date (field 11)                                       Date exp from = Effective Start Date (field 12) End date = Term Expiry Date (field 13)                                                      Date exp to = Effective End Date (field 14) GAP = Gross Annualised Premium (field 15a), NOT written premium.        GEP = Earned Premium (field 15b). Renewal Example   Endorsement Example
Back-dated Endorsement Example
Cancellation Example                                                            

Appendix B: APRA Occupation Codes for Professional Indemnity

CODE
Occupation Description
A
Financial Miscellaneous occupations
AABANK
Bank
AACCNT
Accountancy – Other
AACINS
Accountancy - Insolv & Aquis
AACMAN
Accountancy - Management Service
AACTAX
Accountancy - Taxation
AACTUA
Actuarial
AAUDIT
Accountancy - Audit
ABLDSO
Building Society
ABOOKP
Bookkeeping
ABSCON
IT Business Systems
ABUSBR
Business Brokers
ACHCON
Hardware Engineering/Sec/Sales
ACLHOU
Clearing House
ACMBRK
Commodity & Futures Broking
AFBDEA
Futures Broker/Dealer
ACMCON
Computer Consultants
ACOMAU
Computer Systems Auditor
ACOMPR
Computer Programmer
ACOMSB
Computer Service Bureau
ACRMAN
Credit Management Services
ACRUNI
Credit Union
ACTCON
IT Education & training
ACUSTO
Custodian
ACWCON
Web Design
ADBTCL
Debt Collection & Mercantile Agents
AFINCO
Financial Counsellors
AFNADV
Finance Adviser
AFNBRK
Finance Broking
AFNMGR
Financial Risk Management
AFPCON
Financial Planning Consultancy
AFRANC
Franchisor
AFRIEN
Friendly Society
AFUNDM
Fund Manager
AINCON
Investment Consultancy
AINDEA
Licenced Security Dealer
AINSUR
Insurance Company
AMANIN
Managed Investment Scheme
AMERBA
Merchant Bank
AMORBR
Mortgage Broker
AMORMA
Mortgage Manager
AMOROR
Mortgage Originator
APFCON
Financial Planners
ASTBRK
Stock & Share Broking
ASUPAD
Superannuation fund administrator
ASUPTR
Superannuation Trustee
ATAXAG
Taxation Agency
ATSTCO
Trustee & Executor Company
ATSTSU
Trustee Services
B
General Consultants - Miscellaneous occupations
BAGCON
Air Cargo Consultancy
BARCON
Air Pollution Consultancy
BAVCON
Aviation Consultancy
BCMCON
Communication (PR) Consultancy
BCNCON
Corrosion Consultancy
BCONCO
Convention Coordinator
BCRIMI
Criminologist
BECONO
Economist
BENCON
Environment & Pollution Consultancy
BEVMAN
Event Managers & Co-Ordinators
BFOCON
Forestry Services & Consultancy
BFOODC
Food Consultant
BHRCON
Human Resource Consulting
BIRCON
Industrial Relations Consultant
BLTCON
Telecommunication Consultants
BMANAG
Management Consultancy
BMELON
Meteorological Consultancy
BMGCON
Migration Consultancy
BMHCON
Materials Handling Consultancy
BMNCON
Marine Consultancy
BMOCON
Marketing Consultancy
BMRCON
Market Research Consultancy
BMTCON
Materials Testing Consultancy
BNTCON
Natural Resource Consultancy
BOCCON
Oceanographic Consultancy
BODCON
Odour pollution Consultancy
BPCCON
Pest Control Consultancy
BPNCON
Personnel Consultancy
BPRCON
Public Relations Consultancy
BQUALC
Quality Assurance Consultant
BRSCON
Research Industry & Scientific
BSECON
Security Consultancy
BSOCIO
Sociologist
BSOCON
Solar Energy Consultancy
BTACON
Travel Agency &/or Consultancy
BTCCON
Technical Consultancy
BTESTS
Inspection & Testing Services
BTLCON
Telecommunication Consultants
BTOCON
Tourism Consultancy
BTOOPP
Tour Operator
BTPCON
Transportation Consultancy
BTRANS
Translator / Interpreter
BTTCON
Textile Consultancy
BWCCON
Water Conservation Consultancy
BWNCON
Wine Industry Consultancy
BWPCON
Water Pollution Consultancy
C
Medical & Paramedical Miscellaneous occupations
CACUPT
Acupuncturists
CALCON
Allergy and asthma consultant
CALTHE
Alternative health services
CANAGE
Anaesthetics - general
CANAIC
Anaesthetics-intensive care
CAUDIO
Audiologist
CAUDIM
Audiometrist
CCARDI
Cardiology
CCARTH
Cardio-thoracic surgery
CCHILD
Child Care Centre
CCHIRP
Chiropodists
CCHIRO
Chiropractics
CCLCGN
Clinical genetics
CCLCHA
Clinical haematology
CCLCIM
Clinical immunology
CCLCPH
Clinical pharmacology
CCOLSU
Colorectal surgery
CCOSSU
Cosmetic surgery
CDENTI
Dentistry - oral surgery
CDENTO
Dentistry -other
CDERMI
Dermatology
CRADOL
Diagnostic radiology
CRADOG
Diagnostic radiology - Practitioner
CDIETI
Dietician
CDGALC
Drug and alcohol counselling
CENTHR
Ear, nose and throat (ENT)
CEMERG
Emergency medicine
CENDOC
Endocrinology
CENDOS
Endoscopy
CFAMSU
Facio-Maxillary surgery
CGASTR
Gastroenterology
CGENME
General and internal medicine
CGENPN
General practice - no procedure
CGENPY
General Practice - procedural
CGENSU
General Surgery
CGERIA
Geriatrics
CGYNAE
Gynaecology only
CHOSTL
Hostel
CHYGCO
Hygiene consultant
CINFDS
Infectious diseases
CINTCR
Intensive care
CMEDON
Medical oncology
CMIDWI
Midwifery
CNATUR
Naturopaths
CNEONA
Neonatology
CNEURO
Neurology
CNEUSU
Neurosurgery
CNUCLR
Nuclear Medicine
CNURSS
Nursing -general
CNURSE
Nursing—nurse practitioner
CNUTRI
Nutrition
COBSGY
Obstetrics & Gynaecology
COBSTO
Obstetrics only
COCTHE
Occupational medicine
COHSCO
OHS Practitioner
COPTHA
Ophthalmology
COPTOM
Optometrist
CORALM
Oral surgery—medical
CORTSU
Orthopaedic surgery
COSTEO
Osteopathy
COTHER
Other hospital-based medical practitioner
CPAEDM
Paediatric medicine
CPAEDS
Paediatric surgery
CAMBOF
Paramedical and ambulance staff
CPATHO
Pathology
CPCHEM
Pharmacy
CPHOSP
Hospital
CPHYSI
Physiotherapy
CPLAST
Plastic surgery
CPNHOM
Nursing Home
CPODTS
Podiatry
CPSYCH
Psychiatry
CPSYCO
Psychology
CPHPRM
Public health/preventive medicine
CREHSV
Rehabilitation medicine
CRENAL
Renal medicine
CRESPC
Respite Care Services
CRESPM
Respiratory medicine
CRETIR
Retirement Village
CRHEUM
Rheumatology
CSONOG
Sonographer
CSPEEC
Speech Pathologists
CSPTHE
Speech therapist
CSPINE
Spinal surgery
CSPORT
Sports medicine
CTHMAS
Therapeutic Masseur
CRADTH
Therapeutic radiology
CTHORA
Thoracic medicine
CUROLO
Urology
CVASCU
Vascular surgery
D
Legal & Para Legal - Miscellaneous occupations
DBARIS
Barristers
DCONSV
Conveyancing Services
DJPEAC
Justice of the Peace
DLGLCS
Legal Costing Services
DLNDBR
Land Broking
DMARCE
Marriage Celebrant
DPATNT
Patent Attorneys
DPRSER
Process Servers
DPTTMA
Patent & Trade Mark Attorney
DSHARR
Share Registry
DSOLIC
Solicitors
DTITLE
Title Searching
DTMCON
Trademark Development &/or Investment
E
Real Estate Miscellaneous occupations
EANVAL
Valuer - fine art
EAUCTN
Auctioneering
EBDCOR
Body Corporate Management Services
EHOTBR
Hotel & Motel Broking
ELECON
Electrical Contracting
EMTCON
Motel Management Consultancy
EPTCON
Property Consultants
EPTRPT
Property & Inspection Reports
EREACT
Real Estate Agency- Commercial
EREAGT
Real Estate Agency- Domestic
EREAHT
Real Estate Agency- Hotels
EREAIT
Real Estate Agency- Industrial
EREAPM
Property Management Services
EREVAL
Real Estate Agent & Valuations
ESTMGR
Strata Title Management
F
Agricultural, Horticultural miscellaneous occupations
FAGCON
Agricultural Consultancy
FAGRON
Agronomy
FANBRE
Animal Breeders
FAQCON
Aquaculture Consultants
FARTBD
Artificial Breeding Services
FBSKAG
Bloodstock Agency
FEXPLS
Export Livestock Veterinary Consultant
FFMADV
Farm Management Advisory Service
FFMCON
Farm & Agricultural Consultant
FHTCON
Horticultural Consultancy
FMOROR
Mortgage Originator
FPPORG
Primary Production Organisation
FSSAGT
Stock & Station Agency
FVALUR
Valuer - real estate
FVETBS
Veterinary Surgeons Bloodstock
FVETEQ
Veterinary Surgeons- Equine
FVETGH
Veterinary Surgeons- Greyhound
FVETLS
Veterinary Surgeon Livestock
FVETSM
Veterinary Surgeons-Small/Pets
FVTLAB
Veterinary Laboratories
FWLBRK
Wool Broking
G
Schools, Colleges - Miscellaneous occupations
GBALSH
Ballet School & Dance Tuition
GCUBAS
Scuba Diving Instruction - COMMERCIAL
GEDCON
Education Consultancy
GKINDA
Kindergartens
GPSCHL
Private School
GSCHOL
Primary Schools
GSCUBA
Scuba Diving Instructor - recreational
GSECOL
Secondary Schools/Colleges
GTEACH
Teacher
GTRCON
Training & Development Consultants
GUNVER
Universities
H
Insurance - miscellaneous occupations
HARGEN
Authorised Representatives (general insurance products)
HARLIF
Authorised Representatives (life insurance products)
HININV
Insurance Investigation
HINSAG
Insurance Agency
HINSBK
Insurance Broking
HINSLA
Insurance Assessors & Loss Adjusters
HINSUR
Insurance Surveyor
HLASAG
Life Assurance Agents
HLOSSA
Loss Assessor
HLSCON
Loss Control & Management Control
HRMCON
Risk Management Consultants
HUWAGT
Underwriting Agent
I
Local Government - Miscellaneous occupations
IADVOR
Govt. Advisory Organization
ILGTAT
Local Government Authority
IMUNCL
Municipal / Shire Councils
J
Miscellaneous occupations
JADVAG
Advertising Agency
JANTHE
Anthropologist
JARBIT
Mediation & Arbitration
JARCHE
Archaeology
JBEAUT
Beauty Therapy
JBTBKR
Boat & Yacht Broking
JBTDES
Boat & Yacht Designing
JCARGO
Cargo & Marine Surveying
JCMADV
Community Advice Centres
JCOACH
Sports Coach
JCOASS
Association - Community
JCOURI
Courier Service
JCSFAG
Customs Shipping & Forwarding
JCUSTA
Customs Agency
JDIASS
Association - Disability
JDIVSE
Diving Services
JENASS
Association - Environmental
JFAMWL
Family Welfare Organization
JFUNRL
Funeral Directing
JGPDES
Graphic design
JINVES
Investigators
JMARRC
Marriage, Family, Personal Councillor
JMNENG
Marine Engineers
JMNSUR
Marine Surveying
JNVARC
Naval Architecture
JPHOTO
Photographer / Cameraman
JPIDES
Product & Industrial Design
JPRASS
Association - Professional
JRELIG
Religious Organisation
JRESER
Research & Development Corp
JSECRE
Secretariat Services
JSHPCH
Ship & Boat Chandelling
JSPASS
Association - Sporting
JTDASS
Association - Trade
JTECHW
Technical Writers
JTELAN
Telephone Answering / telemarketing
JTRAUN
Trade Union
JWEASS
Association - Welfare
JWTCON
Writers Consultant &/or Service
K
Architects Miscellaneous occupations
KACHTS
Architects
KARCDR
Architectural Draughtspersons
KINTDE
Interior Designers & Fit out Consultant
KLACHS
Landscape Architecture
KLACTP
Town Planning
KPLUMB
Plumbing Consultants
L
Engineering - miscellaneous occupations
LACENG
Engineer – acoustic
LAEENG
Engineer – aeronautical
LAGENG
Engineer – agricultural
LBCERT
Building Certifiers
LBHENG
Building Hydraulic Design Engineer
LBIENG
Engineer – biomedical
LBINSP
Building Inspectors
LBLCON
Building Consultants
LBLDES
Building Designer
LBLDIN
Building Inspector - Victorian Building Act activities only
LCHENG
Engineer – chemical
LCHSCI
Chemical Scientist
LCIENG
Engineer – civil
LCONMG
Construction Management
LCONTE
Concrete Testing & Investigation
LDSCON
Drainage Sewerage & Water Supplies
LELENG
Engineer – electrical
LELINS
Electrical Inspectors
LENAUD
Environmental Auditor
LENGDT
Engineering Draftspersons
LENVEN
Engineer – environmental
LETENG
Engineer – electronic
LFPENG
Engineer - fire protection / safety
LFSENG
Foundation & Structural Engineer
LGEEON
Engineer - geo-technical - soil testing
LGEOLO
Engineer – geological
LHAENG
Engineer – harbour
LHDENG
Hydro Electric Engineering
LHMENG
Materials Handling, Process Engineer
LHVENG
Heating/Ventilation/Air-Con
LHYENG
Engineer – hydraulic
LMAENG
Engineer – marine
LMCENG
Engineer – Metallurgical
LMEENG
Engineer – Mechanical
LMIENG
Engineer - mining / minerals processing
LNDCST
Non Destructive Testing Consul
LPCCST
Petrochem,Chemical,Natural Gas,Env Con
LPEENG
Power & Energy Engineering
LPREIN
Pre-purchase Inspection Services
LPRMGR
Project Managers
LRFENG
Engineer – Refrigeration
LSFENG
Safety Engineering
LSTENG
Engineer – structural
LTELEC
Engineer – telecommunications
LTNPNR
Town Planners
LTRENG
Engineer – Traffic
LWASTE
Waste Management Consultants
LWWENG
Engineer - water treatment / sewage
M
Surveying Miscellaneous
MBLSUV
Building Surveyor
MCARTO
Cartographer
MCMSUV
Surveyors - Cargo and/or Marine
MCOSTE
Cost Estimators
MHYSUV
Surveyors – Hydrographic
MLDSUV
Land Surveyors
MQTSUV
Surveyor – quantity
MSUREN
Surveyor – Engineering
MSURMI
Surveyor – Mining
N
Defamation – misc
NFPROD
Film Producer
NJOURN
Journalist
NPUBLI
Publishers
NRADIO
Radio Broadcasters
NTVBRO
Televisions Broadcasters
O
Multiple Occupations
OMULTI
Multiple Occupations*
  * Only available for facility business.
Appendix C: Data Validation
As well as unit record validation, overall reasonability checks will be carried out on each insurer’s data. With each half-yearly data submission  Various comparisons between the current reporting period and the previous period will be carried out in order to monitor data reasonability and consistency. These may include: ·               Change in the aggregate Gross Earned Premium, split by two digit ANZSIC code or single character occupation code; ·               Changes in the total numbers of policies and claims; ·               Counts of claims by various measures; causes of loss, severity or litigation status; and ·               Changes in the average and total claims paid. As well, various reasonability checks will be carried out within each period submission, including; ·               Overuse of the various ‘Other’ categories and codes; and ·               Comparison of the various premium fields against each other. Other reasonability checks may be carried out on an ad hoc basis.  
 

[1]           State and Territory insurers are not required to comply with Reporting Standard GRS 800.1, however will provide information in accordance with this data specification where possible.