Modern risk management has, for most people at least, meant that leaving the house keys underneath a flowerpot by the front door is a thing of the past.

Not so for a major commercial outfit in London, however. Backchat was strolling in to work just after 9 am last week when he saw an employee of a major menswear chain glance around furtively in front of the locked shop door.

The chap then reached down into a large flower pot by the door and pulled out the key, promptly unlocking the shop and opening up for the public. Backchat is sure it was a one-off as he went back another evening and checked the flower pot himself but could find no keys. But Backchat wondered what the shop's insurer would have said had it received a claim that burglars had opened the front door with the key.