ACCRUED INSURANCE CLAIMS

12 Months Ended

Jul. 28, 2012

Accrued Insurance Claims [Abstract]

Accrued Insurance Claims

7. Accrued Insurance Claims

The Company retains the risk of loss, up to certain limits, for claims relating to automobile liability, general liability (including locate damages), workers' compensation, and employee group health. With regard to losses occurring in fiscal 2012 and 2013, the Company has retained the risk of loss up to $1.0 million on a per occurrence basis for automobile liability, general liability and workers' compensation. These retention amounts are applicable to all of the states in which the Company operates, except with respect to workers' compensation insurance in two states in which the Company participates in a state-sponsored insurance fund. Aggregate stop loss coverage for automobile liability, general liability and workers' compensation claims is $38.7 million for fiscal 2012 and $41.8 million for fiscal 2013. For losses under the Company's employee health plan, the Company is party to a stop-loss agreement under which it retains the risk of loss, on an annual basis, of the first $250,000 of claims per participant. In addition, the Company retains the risk of loss for the first $550,000 of claim amounts that aggregate across all participants that exceed $250,000.

Accrued insurance claims consist of the following:

	July 28,		July 30,
	2012		2011
	(Dollars in thousands)
Amounts expected to be paid within one year:
Accrued auto, general liability and workers' compensation	$	16,514	$	16,708
Accrued employee group health		2,867		2,728
Accrued damage claims		5,837		6,656
		25,218		26,092
Amounts expected to be paid beyond one year:
Accrued auto, general liability and workers' compensation		21,423		20,539
Accrued damage claims		2,168		2,805
		23,591		23,344
Total accrued insurance claims	$	48,809	$	49,436