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Self-Insurance
12 Months Ended
Jan. 30, 2021
Self Insurance [Abstract]  
Self-Insurance
NOTE 5: SELF-INSURANCE
Our self-insurance reserves are summarized as follows:
January 30, 2021February 1, 2020
Workers’ compensation$74 $79 
Employee health and welfare25 25 
Other liability15 14 
Total self-insurance reserve$114 $118 
Our workers’ compensation policies have a retention per claim of $1 or less and no policy limits.
We are self-insured for the majority of our employee health and welfare coverage and we do not use stop-loss coverage. Participants contribute to the cost of their coverage through premiums and out-of-pocket expenses for deductibles, co-pays and co-insurance.
Our liability policies, encompassing an employment practices liability, with a policy limit up to $30, and a commercial general liability policy, with a limit up to $101, have a retention per claim of $3 or less. Subsequent to January 30, 2021, we no longer carry an employment practices liability policy. This risk will be self-insured by the Company.