Yes, retail insurance is up. This is due to crime and theft. In some cases, it's the we don't want your business/headache rate hike. NYC has about 835,000 unauthorized immigrants. That is up from about 400,000 in 2022.

https://capitaloneshopping.com/research/shoplifting-statisti...

https://www.thecity.nyc/2024/02/21/shoplifting-surge-nyc-sma...

https://nypost.com/2024/05/20/opinion/nyc-crime-wave-continu...