Is there anything that I can do to prevent my premium from increasing?  There are many actions with little or no cost that can be done.  Tip 3 – Wrongful accusal, arrest, defamation of character  The number of incidents involving shop owner/managers/staff facing legal actions against them for defamation of character has increased sharply. So too has the cost of subsequent court awards and claim payments. (Yes – cover is provided for this under your ShoProtect Policy!)  These incidents typically arise when it is thought by the owner/manager/staff that a “customer” has appeared to act suspiciously, or may for example appear to have a concealed an item from view. Be aware that there is clear evidence of certain individuals deliberately and conspicuously acting suspiciously inviting the approach so as to build a potential claim for compensation. The average claim cost here is now in excess of €22,000.  Before approaching a person there are simple steps to follow: You must see a subject enter your shop and see that the customer does not have any merchandise in their hand or that they haven’t retrieved an item from their own purse, bag or pocket. You must see the customer select your merchandise You must see the customer conceal, carry away or convert your merchandise You must maintain continuous observation of the customer You must see the customer fail to pay for the merchandise You must approach the customer outside of the store out of hearing range of others                  Whilst not always possible it is also advisable to have a colleague with you. When approaching, be polite – friendly – apologetic even! Enquire if perhaps they may have taken an item and perhaps overlooked paying, or indeed that a teller possibly missed an item and suggest that they return where you will take for the item without having to enter a queue. Review positioning of CCTV and where none are placed consider installing mirrors. Post signs stating that the premises are monitored by video and stating policy to prosecute shoplifters. Train your staff how to respond. Always remember – call us to discuss any/every incident. We will advise and guide you.