What does Human Perils stem from?

Human perils stem from human actions, whether those actions are intentional or accidental. This concept encompasses a wide range of situations and incidents caused by people, including negligence, deliberate acts, or consequences resulting from human decision-making. For example, accidents, vandalism, and other behaviors that impact individuals, property, or the environment all fall under this category.

Understanding human perils is important because they directly relate to personal lines insurance, which often covers risks associated with daily human activities, such as accidents in the home or instances of liability arising from someone's actions. This distinguishes human perils from other types of risks, such as natural occurrences or environmental factors, which are caused by forces outside of human control.