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 fiscal 2016 through fiscal 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 was $78.9 million for fiscal 2019, $67.1 million for the 2018 transition period, $103.7 million for fiscal 2017, and $84.6 million for fiscal 2016.

The Company is party to a stop-loss agreement for losses under its employee group health plan. For calendar years 2016 through 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 for all participants of $425,000. Amounts for total accrued insurance claims and insurance recoveries/receivables are as follows (dollars in thousands):



	January 26, 2019		January 27, 2018
Accrued insurance claims - current	$	39,961	$	53,890
Accrued insurance claims - non-current	68,315		59,385
Total accrued insurance claims	$	108,276	$	113,275

Insurance recoveries/receivables:
Current (included in Other current assets)	$	—	$	13,701
Non-current (included in Other assets)	13,684		6,722
Total insurance recoveries/receivables	$	13,684	$	20,423

Insurance recoveries/receivables represent the amount of accrued insurance claims that are covered by insurance as the amounts exceed the Company’s loss retention. During fiscal 2019, total insurance recoveries/receivables decreased approximately $6.7 million primarily due to the settlement of claims. Accrued insurance claims decreased by a corresponding amount.