I work as a supervisor in a ghetto. We don't have any assistant managers, we pay people like me 12/hr to run the store for 7-9 hours at a time. Some days I'm in here alone for hours because people can't show up.

Let's just use super basic estimation to make a guess on how much the store brings in a day.

We have huge shrink problems. Surprise! Stuff gets stolen in a ghetto. We have about $3000 in sales in a day. I think our average margin on our products is ~30% (they range anywhere from 5-100% and this is just an educated guess because I'm responsible for inventory and get to check the numbers).

We get $900 a day on stuff we sell, we lose about $200 worth of merch each day- $6000 a month.

$200 would be unacceptable for a store of our size and our manager constantly lets us know, but I'll start caring when he promotes me and gives me a 100% raise. He manages a couple similar sized stores in a much better part of town and tries to compare us. He forgets to account for the fact that his best store has 2 assistant managers, 5 supervisors, and 5 floor workers compared to our 4 supervisors and 5 floor workers and the fact that our personnel usually leave in about a year whereas the other store has people who've worked their way up from floor worker to assistant manager.

Our employees get paid $12 for supervisors and $8 for team members. We get about 35 hours a day to work with. Let's just average the wage as $10/hr. 10x35=350.

So, we generally make 600 a day, lose 200 to shrink, and 350 to operational costs. Not including electricity, investments on security and such, the manager's salary we make about $150 a day. That's about $4500 a month and $54000 a year.

Now, how is an independent store going to pay insurance with that kind of money? Corporate opened up this craphole as some type of experiment, which obviously failed. They have a big policy and can afford to insure a dumpster like this, but an average business owner would be looking at costs upwards of $10,000/year to insure this cesspit.

Actually, our store and similar ghetto stores would take much more than $10,000/year to cover. We've called the police 10 times last week. 2 stores in the area got robbed at gunpoint last month. We've had to file reports for crazy tweakers get violent in our store. We have a direct line to the police now.

Moreover, insurers will try to fight you because they know that your resources are very finite and will not cover everything. Even for a corporate store like ours, we can't get them to fix our dang door. Theft is going to skyrocket when the door won't even close, big shocker huh?