Which of the following is an example of Human Perils?

Human perils refer to risks that arise from human actions or failures, as opposed to natural events or external factors outside of human control. Accidental fires caused by negligence are a prime example of this category because they result directly from human behavior—specifically, carelessness or failure to act responsibly in situations where fire safety measures should be observed. This illustrates how human decisions can lead to harmful consequences, showcasing the inherent risk presented by human activity.

In contrast, natural disasters such as floods fall under environmental perils, as they are caused by weather patterns and natural phenomena rather than any human action. Changes in government policies are more a reflection of political and economic environments and do not directly illustrate human negligence or error in a way that would constitute a peril. Market fluctuations represent economic risks driven by factors like supply and demand but are not considered human peril in the context of negligence or failure. Thus, accidental fires, as a direct consequence of negligent actions, clearly exemplify human perils.