Which of the following scenarios would likely require worldwide coverage?

The scenario that would likely require worldwide coverage involves an individual who travels frequently for work or leisure. This is because individuals who engage in regular international travel face unique risks and needs that differ from those who remain within a single country. For example, such travelers may need protection against various international incidents, including medical emergencies, trip cancellations, lost luggage, or travel-related liability that could arise while they are abroad.

In contrast, the other scenarios presented are more localized in nature. A business that operates solely within one country would typically not require worldwide coverage, as its operations and associated risks are confined to the local environment. Similarly, a policy covering only local businesses is aimed at addressing risks that are pertinent to a specific geographic area. Lastly, a homeowner renovating their residence is primarily focused on domestic activities that do not necessitate considerations for worldwide coverage, as their risks are contained within their own property and local regulations.