6 Winter Risks Small Businesses Should Prepare For (Free Guide)
Ice, frost and compacted snow make slips the number one winter claim.
Retail crime isn’t just a big city problem anymore. Across the UK, small businesses are facing a growing wave of shoplifting, threats, and abuse, and it’s putting staff safety, stock, and profits at risk.
According to the ONS, shoplifting in England and Wales rose by 22% in the year ending December 2024, with over 342,000 offences recorded (ONS, 2025).
Behind these statistics are real shopkeepers and teams bearing the brunt of crime that’s often underreported, underestimated, and under-prosecuted.
The government has acknowledged the scale of the problem. Its new Retail Crime Factsheet (2025) commits to tougher sentencing for repeat shoplifters, a legal duty for large retailers to tackle violence against shop staff, and funding to improve business crime reporting tools. But while policy catches up, small retailers need practical support now.
If you witness or suspect a retail crime, you can report it 100% anonymously to Crimestoppers, 24/7, 365 days a year, over the phone or securely online:
🔗 Give information anonymously
Crimestoppers is an independent charity that empowers people to speak up anonymously about crime, helping to keep communities safe. As they explain:
“We believe that everyone has the right to feel safe from crime. Whoever you are, wherever you live…”
Their mission is clear:
“We’re an independent charity that gives you the power to speak up and stop crime, 100% anonymously. We don’t judge. We just listen to what you know, and pass it on for you.”
Crimestoppers also provides community updates and public safety campaigns to support retailers and the general public. Recent campaigns include:
The National Business Crime Centre (NBCC), helps reinforce best practice for store owners, including:
Prevention still matters. Cheshire Police, in collaboration with business support units, has outlined 10 Principles of Crime Prevention, including:
While prevention is key, insurance can help pick up the pieces when things go wrong. If you’re a shop owner, consider reviewing whether your policy covers:
Insurance doesn’t just help with recovery, it can offer peace of mind. Brokers, like FSB Insurance Service supporting FSB members, can provide tailored cover.
Retail crime can leave business owners feeling isolated or helpless. But you’re not alone. From anonymous reporting with Crimestoppers to practical police guidance and robust insurance options, there is support out there.
And remember, if you’re an FSB member, you may be eligible for access to specialist insurance brokers who understand retail risk.
You can anonymously report retail crime to Crimestoppers at any time, securely and without revealing your identity:
Ready to see how insurance can help mitigate the risks of retail crime? Call 020 3883 7976 to speak to a broker who knows your sector.
This content is for general information only and is not intended to provide advice or a personal recommendation. Insurance cover is subject to the terms, conditions, and exclusions of the policy. Always consider your individual circumstances and seek professional advice before arranging insurance. External websites are not under our control and we are not responsible for their content.
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