Accrued Insurance Claims

For claims within its insurance program, the Company retains the risk of loss, up to certain limits, for matters related to automobile liability, general liability (including damages associated with underground facility locating services), workers’ compensation, and employee group health. With regard to losses occurring in the twelve month policy period ending January 30, 2019, the Company retains 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 state-sponsored insurance funds. Aggregate stop-loss coverage for automobile liability, general liability, and workers’ compensation claims is $78.9 million for the twelve month policy period ending January 30, 2019.

The Company is party to a stop-loss agreement for losses under its employee group health plan. For calendar year 2019, the Company retains the risk of loss, on an annual basis, up to the first $400,000 of claims per participant, as well as an annual aggregate amount. Amounts for total accrued insurance claims and insurance recoveries/receivables are as follows (dollars in thousands):



	July 28, 2018		January 27, 2018
Accrued insurance claims - current	$	39,010	$	53,890
Accrued insurance claims - non-current	61,100		59,385
Total accrued insurance claims	$	100,110	$	113,275

Insurance recoveries/receivables:
Current (included in Other current assets)	$	214	$	13,701
Non-current (included in Other assets)	5,611		6,722
Total insurance recoveries/receivables	$	5,825	$	20,423

During the six months ended July 28, 2018, total insurance recoveries/receivables decreased approximately $14.6 million primarily due to the settlement of claims which were paid by the Company’s insurers. Accrued insurance claims decreased by a corresponding amount.