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companies (particularly fire insurance carriers) will offer substantial rate discounts to sites with a 24-hour presence. For a high-risk or high-value property, the discount can often exceed the cost of its security program. Discounts are offered because on-site security increases the likelihood that any fire will be noticed and reported to the local fire department before a total loss occurs. Also, the presence of security guards (particularly when combined with effective security procedures) tends to reduce "shrinkage",

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