I worked multiple customer facing roles when I was younger. This is the procedure for all of them, in fact it is usually a firable offense to try to stop someone with a weapon or threatened you. It is easy to defend stolen product to an insurance company. If you try to stop someone robbing a store and are injured or killed do to a policy the store had or a manager told you, the insurance isn't going to pay anything. Someone stealing "$30,000" worth of merchandise (which insurance pays you back for) and then being on cameras and not being able to use a lot of it without getting caught is much more preferable than having to pay hundreds of thousands in medical bills or millions in gross negligence if someone dies.