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As U.S. business owners begin planning their budgets for 2026, security is emerging as a key topic in a different conversation. Instead of being treated as an expense that’s easy to postpone, it’s increasingly being looked at as a way to protect cash flow, reduce risk and avoid unexpected costs.
With theft on the rise and insurance premiums climbing, modern security — especially cloud-based video surveillance — is starting to play a bigger role in how businesses think about financial stability and long-term planning, Videoloft reports.
Retail crime is no longer an isolated issue
For many businesses, theft and vandalism are no longer rare or one-off events. They are ongoing challenges that affect day-to-day operations.
According to the National Retail Federations ‘Retail Security Survey’, U.S. retailers reported an estimated $112.1 billion in shrinkage in 2022, which includes theft, fraud and operational losses .
More recent research suggests the situation has intensified. In its 2024 report, The Impact of Retail Theft and Violence, the NRF found that the average number of shoplifting incidents increased by 93% in 2023 compared with 2019, while dollar losses from shoplifting rose by 90% in the same period.
Together, these findings indicate a clear trend: losses remain high, and incidents are occurring more frequently.
Smaller businesses often feel this pressure more acutely. Forbes reports that the majority of small retail businesses experience theft each year, and many owners say those losses directly influence decisions around pricing, staffing and expansion.
Why insurers pay close attention to security
Insurance is ultimately about assessing and pricing risk. When incidents are frequent or details are unclear, insurers must account for that uncertainty in premiums and coverage terms.
In practice, insurers frequently request CCTV footage during theft, vandalism, or liability claims. Legal analysis of U.S. insurance practices explains that insurers are entitled to request relevant video evidence as part of a claims investigation, and that the availability and quality of footage can affect how a claim is handled.
From a risk management perspective, video footage can help establish timelines, confirm events, and reduce uncertainty during claims reviews. Because uncertainty is a key driver of claim costs, insurers often view accessible, well-managed video evidence as an important part of the overall risk picture.
Industry guidance often highlights that professionally installed security systems — including video surveillance, alarms, and access control — can lower a business’s perceived risk profile, and some industry experts suggest that these risk reductions may be reflected in premium discounts commonly cited in the ra