You can’t insure repeated ordinary course of business losses that you have almost total control over and are a core part of your business function. You didn’t

You can’t insure repeated ordinary course of business losses that you have almost total control over and are a core part of your business function. You didn’t answer my question because it’s impossible to come up with a reasonable answer. In insurance the cost of losses is borne by people who did not suffer loss. So the cost of your car crash is borne by someone who didn’t have a crash. But they’re OK with it because they don’t know if and when it’ll happen to them. And an accident is a major loss, so they’d rather pay a little every month to avoid the uncertainty. But shoplifting is a week in and week out thing. If you have a shoplifting policy that’s reliably more expensive than the shoplifting why would you keep it? You wouldn’t because it’s not a thing. You can insure for major losses, robberies and burglaries and so on. But no retail stores can’t and don’t insure for things like someone driving off with a tank of gas, or pocketing an iPad, or a steak, or something. It’s not an insurable risk.