Commitments and Contingencies

12 Months Ended

Dec. 31, 2019

Commitments and Contingencies Disclosure [Abstract]

NOTE 15 – COMMITMENTS AND CONTINGENCIES

Accrued General Liability and Auto Insurances

Accrued general liability and auto insurance reserves included on the Consolidated Balance Sheets were as follows (in thousands):


	As of December 31,
	2019		2018
Included in other current liabilities	$	3,538	$	1,848
Included in other long-term liabilities		18,184		6,608

	$	21,722	$	8,456

We also had insurance receivables and indemnification assets included on the Consolidated Balance Sheets that, in aggregate, offset equal liabilities included within the reserve amounts noted above. The amounts were as follows (in thousands):


	As of December 31,
	2019		2018
Insurance receivables and indemnification assets for claims under fully insured policies	$	7,491	$	2,484
Insurance receivables for claims that exceeded the stop loss limit		2,321		53

Total insurance receivables and indemnificatoin assets included in other non-current assets	$	9,812	$	2,537

Leases

See Note 8, Leases, for further information on our lease commitments.

Other Commitments and Contingencies

From time to time, various claims and litigation are asserted or commenced against us principally arising from contractual matters and personnel and employment disputes. In determining loss contingencies, management considers the likelihood of loss as well as the ability to reasonably estimate the amount of such loss or liability. An estimated loss is recorded when it is considered probable that such a liability has been incurred and when the

amount of loss can be reasonably estimated. As litigation is subject to inherent uncertainties, we cannot be certain

that we will prevail in these matters. However, we do not believe that the ultimate outcome of any pending matters will have a material adverse effect on our consolidated financial position, results of operations or cash flows.

During the year ended December 31, 2018, we entered into an agreement with one of our suppliers to purchase a portion of the insulation materials we utilize across our business. This agreement is effective January 1, 2019 through December 31, 2021 with a purchase obligation of $21.1 million for 2020 and $14.0 million for 2021.

During the fourth quarter

2019, our commitment for the year ended December 31, 2019 was reduced

$11.8 million

which is equal to the total amount we purchased during the year