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I know someone that owns a jewelry store. They carry very high end brands. Guy pretty much told me he pays an arm and a leg for insurance. He tells his employees, if someone comes in to rob them, just give them the store, last thing he needs is dealing with employee injuries or worse. He says insurance depending on coverage is pretty good for thief and damages, so he doesnt worry as much.
He says disgruntled customers out on a vengeance does more damage.