First of all, there is no legal requirement that a business carry insurance that covers theft. Even if it does have such insurance there is no requirement that it be used. Finally, for incidents involving small sums, the deductible most likley wouldn't be met if the business did file such a claim. As for charging employees for customer theft, this is legal in many states. In AZ, an employer may deduct wages from an employee’s paycheck but only with the employee's written consent and only for the following: cash shortages; breakage, damage, or loss of the employer’s property; dishonored or returned checks. Further, in accordance with federal law, an employer may not make deductions from a worker's paycheck if it would cause them to earn less than federal minimum wage.
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