Financial Sector (Collection of Data) determination No. 33 of 2005 (Cth)
Financial Sector (Collection of Data) determination No. 33 of 2005
Reporting Standard LOLRS 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 Lloyd’s as defined in of the Insurance Act 1973.
Under section 15 of the Act, I DECLARE that the reporting standard shall begin to apply to Lloyd’s 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 LOLRS 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 Lloyd’s to provide APRA with information on certain public liability, product liability and professional indemnity policies in force during a reporting period.
Reporting requirements
If, at any time during a reporting period covered by paragraph 2, a reportable policy of a Lloyd’s underwriter is in force, Lloyd’s 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
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.
A report required by paragraph 1 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
or such later time as APRA may determine in writing. APRA may determine a later time in writing in relation to the whole of a report, or in relation to a report to the extent that it relates to a particular class of Lloyd’s underwriters, or in relation to a report to the extent that it relates to one or more Lloyd’s underwriters named in the determination (to the intent that APRA may permit the late submission of part of the report).
Variation of reporting periods
APRA may, by notice in writing, determine that to the extent that reports required under this reporting standard will relate to a Lloyd’s underwriter with an accounting financial year that does not end on 30 June, the part of each such report relating to that underwriter may be provided in respect of reporting periods based on the underwriter’s own accounting financial year.
APRA may, by notice in writing, change the reporting periods for Lloyd’s 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 Lloyd’s underwriters, APRA considers it necessary or desirable to obtain information more frequently for the purposes of the prudential supervision of the Lloyd’s underwriters); or
(b) less frequently (APRA may do so when, having regard to the particular circumstances of the Lloyd’s underwriters and the extent to which they requires prudential supervision, and other relevant considerations, it is unnecessary to require Lloyd’s to provide the information on a 6 monthly basis).
If APRA changes a reporting period under paragraph 4 or 5 in relation to a report or part of a report, the report (or, where applicable, the part of the 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
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 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.
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
Reports provided by Lloyd’s in accordance with this reporting standard must be the product of processes and controls developed by Lloyd’s for the internal review and authorisation of the information contained in the reports.
Note: Lloyd’s General Representative in Australia must ensure that an appropriate set of policies and procedures is in place for the authorisation of data provided to APRA.
Fujitsu Australia (as agent of APRA) will provide Lloyd’s with a customer identification number. If Lloyd’s proposes to submit reports required by this reporting standard using the method in paragraph 7(a) (i.e. via the website), Lloyd’s must apply for a password by viewing the web page referred to in paragraph 7(a), quoting Lloyd’s customer identification number and following the instructions for applying for a password on that page. Fujitsu Australia will advise Lloyd’s General Representative in Australia of the password for Lloyd’s. When a report is provided using the method in paragraph 7(a), Lloyd’s 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.
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) Lloyd’s General Representative in Australia; or
(b) a person (‘agent’) authorised by Lloyd’s General Representative in Australia to sign the letter.
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 Lloyd’s General Representative in Australia or agent); or
(b) a person holding a specified position (who need not be Lloyd’s General Representative in Australia or agent); or
(c) a person authorised by Lloyd’s to use Lloyd’s customer identification number and password,
may, or must, authorise (in a manner specified) information provided by Lloyd’s under this reporting standard.
Minor alterations to forms and instructions
APRA may:
(a) make minor variations to the Data Specifications (either generally, or in relation to a class of Lloyd’s underwriters, or in relation to one or more named Lloyd’s underwriters) to correct technical, programming or logical errors, inconsistencies or anomalies;
(b) vary, omit or substitute (either generally, or in relation to a class of Lloyd’s underwriters, or in relation to one or more named Lloyd’s underwriters) 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 Lloyd’s and any other relevant considerations; or
(c) vary, omit or substitute (either generally, or in relation to a class of Lloyd’s underwriters, or in relation to a one or more named Lloyd’s underwriters) 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 Lloyd’s underwriters and any other relevant considerations.
If APRA makes such a variation it must notify Lloyd’s in writing.
Interpretation
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.
Data Specifications means the Data Specifications in the Schedule.
Fujitsu Australia means Fujitsu Australia Limited ABN 19 001 011 427.
Lloyd’s has the meaning in the Insurance Act 1973.
Lloyd’s General Representative in Australia means the employee of Lloyd’s or Lloyd’s Australia Ltd who holds the position of Lloyd’s General Representative in Australia, or performs the functions and duties described by that title.
Lloyd’s underwriter has the meaning in the Insurance Act 1973.
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;
(d) a policy of insurance solely in relation to an event that could neither occur in Australia nor in relation to an insured resident of Australia.
For the purposes of paragraphs 3 and 6, where a report must be provided no later than a particular date, Lloyd’s 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 Lloyd’s 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.
Details of requirements in relation to reporting periods, method of submission and authorisation are set out in the reporting standard. The data submitted by Lloyd’s will be validated by APRA each reporting period. The data validation to be performed is outlined in Appendix A.
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 O O 1a 6* Month of end of Reporting Periods M M 8n 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 O O 12n 17b Total assets O O 12n 17c Professional fees O O 12n 17d Total number of staff O O 12n 17e Other O O 12n 17f Description of “Other” O O 50a 18 State O O 3a 19 Postcode O O 4n 20 Excess/Deductible/Attachment point M M 12n 21 Limits of Indemnity M M 12n 22 Nature of Insured Organisation/Occupation O O 6a or 4n 23 Coinsurance proportion M M 5n 1 Date – preference for date is DDMMYYYY, no delimiter.
Key:
M – mandatory field on all records from 1 July 2004.
O – Optional field
T – at least one of these field must contain a value (i.e. not blank).
a – alpha
n - Numeric
* Fields so indicated, as a combination, must be unique for each reporting period.
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. See Appendix A, scenario 3 for example exposure records.
Policy Record Data Field Definitions
1. Insurer code
This will be provided by APRA when advised of the method of delivery of the data.
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
Where this information is not available, enter a hyphen (“-“).
6. Month of End of Reporting Periods
The data will relate to a six month period. Code the last day of this period in this field as DDMMYYYY, e.g. insert code 30062003 for data relating to the six months ending 30 June 2003.
7. Policy Number
The unique market reference field allocated by the Lloyd’s broker. 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
The broker reference field used to sub-divide accounting entries into different countries.
9. Product Type
Class Public & Products Professional Risk Public liability (pure) PUB Products liability (pure) and product recall PRO Mixed public/products cover ('Broadform' liability) BRD Umbrella covers UMB Environmental impairment liability EIL Construction liability CON Excess Liability EXL Excess Umbrella EXU Other PLO Professional indemnity (not medical malpractice) and errors & omissions PII Directors' and Officers' liability D&O Employment Practices EPL Association Liability ASN Superannuation Trustees STL Defamation Insurance DFI Financial Institutions Policy FIP Information & Communication Technology Insurance ICT Medical Indemnity/Malpractice MAL Other PIO Note that 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
Code the date when a policy providing this cover was first issued to the client in this field as DDMMYYYY. Where this information is not available, enter a hyphen (“-“).
11. Date of Commencement/Inception (Term Inception Date)
Code the inception date of the risk in this field as DDMMYYYY.
12. Effective Start Date (for the purpose of tracking effect of endorsements)
Code the start date of any endorsement which changes the risk in this field as DDMMYYYY. Can be equal to or later than field 11. This field can also be blank if the row reported is not an endorsement record. Where this date is equal to the term expiry date, this signifies a premium adjustment at expiry of the contract.
Where there are multiple endorsements in one reporting period, each endorsement must be reported.
13. Term Expiry Date
Code the date on which the existing policy expires in this field as DDMMYYYY.
14. Effective End Date (for the purpose of tracking endorsements & cancellations)
Code the date on which any endorsement which changes the risk is due to cease in this field as DDMMYYYY.
15. Premium (This field is not used)
This field is to contain either a or b reflecting whether you are providing a value for “Gross Annualised Premium” in field 15a or “Earned Premium” in field 15b.
15a. Gross Annualised Premium
In this field insert the Lloyd’s proportion of the gross annualised premium in force based on the rating factors represented by this record (in whole $, no decimal points) converted to A$ using end of processing month rates of exchange. Exclude all statutory charges (FSL, GST & SD) but include others costs (commissions). If the policy is for a term other than twelve (12) months, pro-rate the premium to a 12-month period.
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).
Also 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.
15b. Gross Earned Premium
In this field, insert the Lloyd’s proportion of the earned amount of gross annual premium for the exposure of this policy during the reporting period (in whole $, no decimal points) converted to A$ using end of processing month rates of exchange between the effective start date (field 12) and effective end date (field 14). Include the same components as for gross annualised premium.
For endorsements and cancellations, the gross earned premium should still be the earned amount of gross annual premium for the exposure of this policy during the reporting period (in whole $, no decimal points) between the effective start date of the endorsement or cancellation (field 12) and effective end date of the endorsement or cancellation (field 14).
16. Gross Written Premium
In this field insert Lloyd’s proportion of the gross written premium for the exposure of this policy. Exclude all statutory charges (FSL, GST & SD) but include others costs (commissions) converted to A$ using end of processing month rates of exchange.
For endorsements and cancellations, the updated gross written premium should be stated.
This field should be completed for every reporting period.
17. Risk Factor (This field is not used)
Risk factor is a measure of the relative exposure that the policy represents. Where the information for fields 17a to 17f is not available, enter a hyphen (“-”).
17a. Turnover
Most recently declared annual turnover of the risk represented by this risk record (in whole dollars) converted to A$ using end of processing month rates of exchange. If you collect turnover 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 $50 million, “20000001-50000000”. Commas must be excluded from all numbers. This should be the total turnover of the organisation, not the insurer’s share of risk (but see note on policy field item 23 below).
17b. Total Assets
Most recent prior year business turnover represented by this risk record (in whole dollars) converted to A$ using end of processing month rates of exchange.
17c. Professional Fees
Most recent prior year annual professional fees represented by this risk record (in whole dollars) converted to A$ using end of processing month rates of exchange.
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 leave this blank. However if none is applicable then this field should contain a value with a brief description of the risk factor provided in field 17f.
17f. Other Description
If 17e contains a value, this field should contain a brief description of the risk factor of the value provided in field 17e.
18. State
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, enter a hyphen (“-“).
19. Postcode
Postcode of location of principal risk. If not available, postcode of head office or postal address of policyholder.
Where this information is not available, 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) converted to A$ using end of processing month rates of exchange. 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.
21. Limit of Indemnity
Insert the Lloyd’s proportion of the limit of indemnity in whole dollars disregarding any excess payments by the insured converted to A$ using end of processing month rates of exchange. Where different limits exist for different causes of claim, enter the limit that is most commonly applied for such policies.
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, use the codes provided in Attachment B except for code “OMULTI” which is only for use for facility business.
Where this information is not available, enter a hyphen (“-“).
23. Coinsurance Proportion
This is Lloyd’s overall percentage share of the risk to 2 decimal places (e.g. 66.66 for 66.66%). Where there is a mid-term market change a policy may appear more than once on the file and the gross premium figures may change if the Lloyd’s percentage changes.
Appendix A: Data Validation
The individual policy data submitted by Lloyd’s will be validated by APRA as follows:
Earned premium submitted in information provided by Lloyd’s under Lloyd’s Security Trust Fund Determination No 1, less the premium received for all facilities, is expected to reconcile to within 5% of the total of the earned premium shown in field 15b on the individual policy records submitted by insurers or as calculated by APRA from the gross annualised premium (field 15a). APRA will expect Lloyd’s to explain the source of any greater discrepancy.
While it is appreciated that more extensive reconciliation could be attempted, this could require significant changes to the existing reporting requirements to APRA or the submission of other information (such as management accounts) from insurers that would not be in standard formats.
APRA will expect that Lloyd’s needs to demonstrate the reason for a discrepancy between the individual records submitted to the database and its aggregate data reported to APRA in the above forms, the insurer will share such additional reports with APRA as required.
Appendix B: Example Treatment of Exposure Records
Lloyd’s is 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).
Appendix C: 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 ACMBRK 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 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 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 CPHYSI Physiotherapy CPLAST Plastic surgery CPODTS Podiatry CPSYCH Psychiatry CPSYCO Psychology CPHPRM Public health/preventive medicine CREHSV Rehabilitation medicine CRENAL Renal medicine CRESPM Respiratory medicine 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
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