Various news articles reported a recent string of coordinated smash and grab burglaries in San Francisco. Some of these articles forgot to mention that stores are generally insured against burglary (and other crimes that involve the use of force). That said, the stores insurance premiums will go up, which is similar to a tax on the stores. Assuming this is a phenomenon specific to San Francisco, explain who ultimately pays for the increased premiums resulting from the burglaries, and why.