Which of the following is not an example of human risk?

• A. Fire
• B. Unskilled Labor
• C. Check Written on a Bank Account with Insufficient Funds
• D. Employee Dishonesty

Answer: (A)

Understanding the distinction between human risk and other risk types helps here. Human risk comes from people’s actions, decisions, or behavior—things like errors, lack of training, or dishonesty. The example of a fire is different: fire is a physical, environmental hazard, a non-human event that can be caused by heat, ignition sources, or external factors. While humans can influence fire risk, fire itself is not categorized as a human risk.

The other options fit the human-risk idea: unskilled labor relates to human capability and potential mistakes or accidents, employee dishonesty involves fraudulent human behavior, and a check written with insufficient funds reflects a decision or error by a person in managing finances. So fire stands out as the non-human risk.