Financial Sector (Collection of Data) (reporting standard) determination No. 6 of 2021 (Cth)

Case

Financial Sector (Collection of Data) (reporting standard) determination No. 6 of 2021

Reporting Standard LOLRS 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance

Financial Sector (Collection of Data) Act 2001

I, Alison Bliss, delegate of APRA, under paragraph 13(1)(a) of the Financial Sector (Collection of Data) Act 2001 (the Act) and subsection 33(3) of the Acts Interpretation Act 1901:

(a)REVOKE Financial Sector (Collection of Data) (reporting standard) determination No. 21 of 2016, including Reporting Standard LOLRS 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance made under that Determination; and

(b)DETERMINE Reporting Standard LOLRS 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance, in the form set out in the Schedule, which applies to the financial sector entities to the extent provided in paragraph 3 of the reporting standard.

Under section 15 of the Act, I DECLARE that the reporting standard shall begin to apply to those financial sector entities, and the revoked reporting standard shall cease to apply, on 31 December 2021.

This instrument commences on 31 December 2021.

Dated: 23 March 2021

[Signed]

Alison Bliss

General Manager

Data Analytics and Insights Division

Interpretation

In this Determination:

APRA means the Australian Prudential Regulation Authority.

financial sector entity has the meaning given in section 5 of the Act.

Schedule

Reporting Standard LOLRS 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance comprises the document commencing on the following page.

Reporting Standard LOLRS 800.3

Facility Business Data: Public and Product Liability and Professional Indemnity Insurance

Objective of this reporting standard

This Reporting Standard sets out requirements for the provision of information to APRA by Lloyd’s relating to certain facility business data on public liability, product liability and professional indemnity insurance.

It includes Reporting Form LOLRF 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance and the associated instructions. 

Authority

  1. This Reporting Standard is made under section 13 of the Financial Sector (Collection of Data) Act 2001.

Purpose

  1. Information collected by Reporting Form LOLRF 800.3 Facility Business Data: Public and Product Liability and Professional Indemnity Insurance
    (LOLRF 800.3) is used by APRA for the purpose of prudential supervision and publication, including publication in the National Claims and Policies Database (NCPD).

Application

  1. This Reporting Standard applies to Lloyd’s.

Commencement

  1. This Reporting Standard applies for reporting periods ending on or after 31 December 2021.

Information required

  1. Lloyd’s must provide APRA with the information required by LOLRF 800.3 in respect of each reporting period and each reportable facility business in respect of which a Lloyd’s underwriter is on risk during the reporting period.

Reporting periods and due dates  

  1. Subject to paragraph 7 of this Reporting Standard, Lloyd’s must provide the information required by this Reporting Standard in respect of each calendar half-year (i.e. the periods ending 30 June and 31 December each year).

  1. APRA may, by notice in writing, change the reporting periods, or specify reporting periods, to require Lloyd’s to provide the information required by this Reporting Standard more frequently, or less frequently, or in respect of reporting periods based upon a Lloyd’s underwriter’s own accounting financial year for that part of the information required by this Reporting Standard relating to that underwriter, having regard to:

(a)the particular circumstances of Lloyd’s or a Lloyd’s underwriter; and

(b)the extent to which the information is required for the purposes of the prudential supervision of Lloyd’s or a Lloyd’s underwriter.

  1. The information required by this Reporting Standard must be provided to APRA:

(a)in the case of half-yearly information, by no later than four months after the end of the reporting period; or

(b)in the case of information provided in accordance with paragraph 7, within the time specified by notice in writing, 

or such later time as APRA may determine in writing.  APRA may determine a later time in writing in relation to the whole of the information required by this Reporting Standard, or in relation to part of the information required by this Reporting Standard to the extent that it relates to a particular class of Lloyd’s underwriters, or in relation to part of the information required by this Reporting Standard to the extent that it relates to one or more Lloyd’s underwriters named in the determination (to the extent that APRA may permit the late submission of part of the information required by this Reporting Standard).    

Method of submission

  1. The information required by this Reporting Standard must be rendered in comma separated values (CSV) format in accordance with the instructions in LOLRF 800.3, and must be provided 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.

  1. Despite paragraph 9, APRA may, in writing, make either or both of the following determinations:

(a)a determination that information required by this Reporting Standard must be provided in accordance with alternative information technology requirements specified by APRA in the determination; and

(b)a determination that information required by this Reporting Standard must be provided to APRA or an agent of APRA at an alternative address in accordance with requirements specified in the determination.

Quality control

  1. The information 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.  

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.

Authorisation

  1. Fujitsu Australia (as agent of APRA) will provide Lloyd’s with a customer identification number.  If Lloyd’s proposes to submit information required by this Reporting Standard using the method in paragraph 9 (i.e. via the website), Lloyd’s must apply for a password by viewing the web page referred to in paragraph 9, 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 9, 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 between Lloyd’s and Fujitsu Australia will be created and information will be encrypted before transmission.

  1. Despite paragraph 12, or where APRA has made a determination under subparagraphs 10(a) or (b) specifying an alternate method of submission, APRA may also determine in writing that: 

(a)a specified person (who need not be Lloyd’s General Representative in Australia or agent);

(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

  1. APRA may: 

(a)make minor variations to LOLRF 800.3 (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 C to LOLRF 800.3, 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 one or more named Lloyd’s underwriters) a specification in a Table in LOLRF 800.3, 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.

  1. If APRA makes such a variation it must notify Lloyd’s in writing.

Interpretation

  1. 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.

facility business means business that is closed by bordereau and for which the relevant Lloyd’s underwriter does not receive individual policy or claims data from the facility manager, and includes business undertaken through an underwriting pool or joint venture arrangement.

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 facility business means facility business underwritten by a Lloyd’s underwriter on or after 1 January 2003 under which the risk, or a risk, assumed by the Lloyd’s underwriter relates to product liability, professional indemnity or public liability insurance, not being a risk that relates to:

(a)reinsurance or retrocession cover;

(b)marine insurance;

(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 event that could neither occur in Australia nor in relation to an insured resident of Australia.

  1. For the purposes of paragraph 8, where information must be provided no later than a particular date, Lloyd’s is required to ensure that the information is received by the person to whom it must be provided (whether APRA or an agent of APRA) no later than that date. 

  1. Unless the contrary intention appears, any reference to an Act, Regulation, Prudential Standard, Reporting Standard, Australian Accounting Standard or Auditing Standard is a reference to the instrument as in force or existing from time to time.

  1. Where this Reporting Standard provides for APRA to exercise a power or discretion, this power or discretion is to be exercised in writing.

Reporting Form LOLRF 800.3

Facility Business Data: Public and Product Liability and Professional Indemnity Insurance

Instruction Guide  

These instructions have been prepared for the purpose of defining the facility business 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 at each reporting period. The data validation to be performed is outlined in Appendix A.

Record Layouts and Field Specifications 

Facility Business Data Specifications  

Facility
Data
Data Item Facility Business Field type
1* Insurer Code M 6a
2* Month of end of Reporting periods M 8n
3* Facility Identifier M 30a/n
4 Industry/Occupation Code  O 6a or 4n 
5 Class of Business O 2a
6* Run-off Indicator  O 1a 
7 Insurer’s Percentage of Facility M 6n
8 Number of Policies  O 6n
9 Premium Received for Reporting periods M 12n
10 Number of Claims O 6n
11 Gross Payments Made for Reporting periods M 12n

Date must be DDMMYYYY, no delimiter.

Key:

M – mandatory field on all records from 1 July 2004.

O – optionl field.

a – alpha.

n – numeric.

* Fields so indicated, as a combination, must be unique for each reporting period.

Facility Business Record Data Field Definitions

Where there is a mid-term market change, the facility reference may be repeated showing a changed insurer percentage.

1. Insurer Code     

This will be provided by APRA when advised of the method of delivery of the data.

2. 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. 

3. Facility Identifier      

A unique identifier for each facility where the insurer has received in excess of $100,000 in premium or made gross payments in excess of $100,000, for each respective six month period.

Provide a separate record for claims data and policies data for each facility.

Facilities where the insurer has received less than $100,000 in premium or made gross payments of less than $100,000 in the six month period are to be included “Other”.  

4. Industry/Occupation Code     

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 4digit 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.

Occupation code “OMULTI” should only be used for Facility Business data where a facility covers multiple occupation codes, no single code can be regarded as the principal occupation code and hence it is not possible or appropriate to use one of the more specific occupation codes.

Occupation code “OMULTI” and code “000000” (for ANZIIC codes) should only be used for Facility Business data where a facility covers multiple industry or occupation codes, no single code can be regarded as the principal industry or occupation code and hence it is not possible or appropriate to use one of the more specific codes.

Where this information is not available, enter a hyphen (“-“).

5. Class of Business  

•PL = Public & Product

•PI = Professional Risk

Where this information is not available, enter a hyphen (“-“).

6. Runoff Indicator

•Y = Yes

•N = No  

Where this information is not available, enter a hyphen (“-“).

7. Insurer’s Percentage of Facility  

Lloyd’s proportion of the facility, to 2 decimal places (e.g. 66.66 for 66.66%). 

Blank on “Other” facilities records.

8. Number of Policies      

The total numbers of policies covered by this facility, if available or else provide a “blank”.

9. Premium Received for Reporting periods

Lloyd’s share of the gross premium from this facility during the half year net of GST in whole dollars, no decimal point and converted to A$ using end of processing month rates of exchange. Exclude all statutory charges (FSL, GST & SD) but include others costs (commissions).

10. Number of Claims  

The total numbers of claims covered by this facility for which payments have been reported in item 9 below, if available or else provide a “blank”. 

11. Gross Payments Made in Reporting periods          

Lloyd’s share of payments made for this facility since the last reporting period, net of GST in whole dollars, no decimal point and converted to A$ using end of processing month rates of exchange. Includes payments made to claimant and to third-party service providers (medical, legal, investigation) that are attributed to the claim.

Appendix A: Data Validation

The facility business data submitted by Lloyd’s will be validated by APRA as follows.

For facility business data, the total of all premiums received and the total of gross payments made will be deducted from earned premium and gross payment data submitted in GRF 440 (see below).   

a)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.  

b)Gross claim payments submitted in information provided by Lloyd’s under Lloyd’s Security Trust Fund Determination No 1, less the gross payments received for all facilities, is expected to reconcile to within 5% of the gross payments for each accident year calculated from the individual claim records submitted.  Discrepancies in the most recent accident years will be compared with the amount of payments made for all facilities.

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 where 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, Lloyd’s will share such additional reports with APRA as required.  

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
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
CODE Occupation Description
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
CODE Occupation Description
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
CODE Occupation Description
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 practitione
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
D Legal & Para Legal - Miscellaneous occupations
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
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
CODE Occupation Description
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
CODE Occupation Description
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
CODE Occupation Description
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
CODE Occupation Description
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*
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