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These excerpts taken from the SMG 10-K filed Dec 3, 2008. Accruals for
Self-Insurance
We maintain insurance for certain risks, including workers’
compensation, general liability and vehicle liability, and are
self-insured for employee-related health care benefits. We
establish reserves for losses based on our claims experience and
industry actuarial estimates of the ultimate loss amount
inherent in the claims, including losses for claims incurred but
not reported. Our estimate of self-insured liabilities is
subject to change as new events or circumstances develop which
might materially impact the ultimate cost to settle these losses.
Accruals for Self-Insurance We maintain insurance for certain risks, including workers’ compensation, general liability and vehicle liability, and are self-insured for employee-related health care benefits. We establish reserves for losses based on our claims experience and industry actuarial estimates of the ultimate loss amount inherent in the claims, including losses for claims incurred but not reported. Our estimate of self-insured liabilities is subject to change as new events or circumstances develop which might materially impact the ultimate cost to settle these losses. These excerpts taken from the SMG 10-K filed Nov 25, 2008. Accruals for
Self-Insurance
We maintain insurance for certain risks, including workers’
compensation, general liability and vehicle liability, and are
self-insured for employee-related health care benefits. We
establish reserves for losses based on our claims experience and
industry actuarial estimates of the ultimate loss amount
inherent in the claims, including losses for claims incurred but
not reported. Our estimate of self-insured liabilities is
subject to change as new events or circumstances develop which
might materially impact the ultimate cost to settle these losses.
Accruals for Self-Insurance We maintain insurance for certain risks, including workers’ compensation, general liability and vehicle liability, and are self-insured for employee-related health care benefits. We establish reserves for losses based on our claims experience and industry actuarial estimates of the ultimate loss amount inherent in the claims, including losses for claims incurred but not reported. Our estimate of self-insured liabilities is subject to change as new events or circumstances develop which might materially impact the ultimate cost to settle these losses. This excerpt taken from the SMG 10-K filed Nov 29, 2007. Accruals for
Self-Insurance
We maintain insurance for certain risks, including workers’
compensation, general liability and vehicle liability, and are
self-insured for employee-related health care benefits. We
establish reserves for losses based on our claims experience and
industry actuarial estimates of the ultimate loss amount
inherent in the claims, including losses for claims incurred but
not reported. Our estimate of self-insured liabilities is
subject to change as new events or circumstances develop which
might materially impact the ultimate cost to settle these losses.
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