Which of the following is an example of a risk caused by human factors?

• A. Unskilled Labor
• B. Employee Dishonesty
• C. Fire
• D. Check With Insufficient Funds

Answer: (B)

Risks arising from human factors come from how people think and act within an organization. When an employee behaves dishonestly, such as stealing cash, submitting fake invoices, or falsifying records, it directly threatens assets, finances, and trust. This kind of risk is fundamentally about human behavior and ethics, not about equipment, environment, or processes failing on their own.

Unskilled labor points to a lack of training or skill, which can cause mistakes or slower performance but isn’t primarily about intentional wrongdoing. Fire is a physical hazard rooted in the environment and safety systems, not a reflection of someone’s actions. A check with insufficient funds relates to financial status or processing errors, not to a deliberate human factor like dishonesty.