(12) Commitments and Contingencies Operating Leases We lease our corporate offices and other properties and operating equipment from third parties under noncancelable operating leases. Expense under these agreements was approximately $25.3 million, $23.9 million and $22.3 million for the years ended December 31, 2018, 2017 and 2016, respectively. As of December 31, 2018, contractual commitments associated with lease obligations are as follows: Operating Lease Commitments Restructuring Related Lease Commitments Sub-Lease Income Total (In thousands) 2019 $ 18,852 $ 74 $ (99 ) $ 18,827 2020 15,609  (99 ) 15,510 2021 13,357  (33 ) 13,324 2022 12,205   12,205 2023 10,402   10,402 Thereafter 33,440   33,440 Total $ 103,865 $ 74 $ (231 ) $ 103,708 Future minimum lease payments under restructured non-cancelable operating leases as of December 31, 2018, are included in accrued liabilities in the consolidated balance sheet. See Note 14 for a further discussion on restructuring related commitments. Purchase Obligations As of December 31, 2018, we had commitments to purchase $10.8 million of rental fleet related to our North American Storage Solutions business for delivery in 2019. Insurance Reserves We maintain insurance coverage for our operations and employees with appropriate aggregate, per occurrence and deductible limits as we reasonably determine is necessary or prudent considering current operations and historical experience. The majority of these coverages have large deductible programs which allow for potential improved cash flow benefits based on our loss control efforts, while guaranteeing a maximum premium liability. Our employee group health insurance program is a self-insured program with individual and aggregate stop loss limits. The insurance provider is responsible for funding all claims in excess of the calculated monthly maximum liability. This calculation is based on a variety of factors including the number of employees enrolled in the plan. Actual results may vary from estimates based on our actual experience at the end of the plan policy periods based on the carriers loss predictions and our historical claims data. We expense the deductible portion of the individual claims. However, we generally do not know the full amount of our exposure to a deductible in connection with any particular claim during the fiscal period in which the claim is incurred and for which we must make an accrual for the deductible expense. We make these accruals based on a combination of the claims development experience of our staff and our insurance companies, and, at year end, the accrual is reviewed and adjusted, in part, based on an independent actuarial review of historical loss data and using certain actuarial assumptions followed in the insurance industry. A high degree of judgment is required in developing these estimates of amounts to be accrued, as well as in connection with the underlying assumptions. In addition, our assumptions will change as our loss experience is developed. All of these factors have the potential for significantly impacting the amounts previously reserved in respect of anticipated deductible expenses and we may be required in the future to increase or decrease amounts previously accrued. Our workers compensation, auto and general liability insurance are purchased under large deductible programs. Our workers compensation insurance has a deductible of $500,000 on the first claim in a policy year and a deductible of $250,000 on any subsequent claims. Auto and general liability insurance per incident deductibles are $500,000 and $50,000, respectively. Under our various insurance programs, we have collective reserves recorded in accrued liabilities of $3.6 million and $3.9 million at December 31, 2018 and 2017, respectively. In connection with the issuance of our insurance policies, we have provided our various insurance carriers $3.1 million in letters of credit as of December 31, 2018. General Litigation We are a party to various claims and litigation in the normal course of business. Our current estimated range of liability related to various claims and pending litigation is based on claims for which our management can determine that it is probable that a liability has been incurred and the amount of loss can be reasonably estimated. Because of the uncertainties related to both the probability of incurred and possible range of loss on pending claims and litigation, management must use considerable judgment in making reasonable determination of the liability that could result from an unfavorable outcome. As additional information becomes available, we will assess the potential liability related to our pending litigation and revise our estimates. Such revisions in our estimates of the potential liability could materially impact our results of operation. We do not anticipate the resolution of such matters known at this time will have a material adverse effect on our business or consolidated financial position.