Accrued Insurance Claims

6 Months Ended

Jul. 27, 2019

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 in January 2020, 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 $77.1 million for the twelve month policy period ending in January 2020.

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 for all participants of $425,000. Amounts for total accrued insurance claims and insurance recoveries/receivables are as follows (dollars in thousands):



	July 27, 2019		January 26, 2019
Accrued insurance claims - current	$	41,075	$	39,961
Accrued insurance claims - non-current	58,492		68,315
Total accrued insurance claims	$	99,567	$	108,276

Insurance recoveries/receivables:
Current (included in Other current assets)	$	16	$	—
Non-current (included in Other assets)	5,000		13,684
Total insurance recoveries/receivables	$	5,016	$	13,684

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 the six months ended July 27, 2019, total insurance recoveries/receivables decreased approximately $8.7 million primarily due to the settlement of claims. Accrued insurance claims decreased by a corresponding amount.