Final answer:
Commercial Auto Insurance (option 4) cannot cover the death of an insured's cow due to a lightning strike because it's designed for vehicles used for business purposes, not livestock. Livestock Mortality Insurance and Farmowners Insurance would cover such a loss, whereas Crop Insurance would not, as it is meant for crop-related issues.
Step-by-step explanation:
The type of insurance that cannot cover the death of an insured's cow due to a lightning strike is Option 4: Commercial Auto Insurance. Commercial Auto Insurance is intended to cover vehicles used for business purposes, such as trucks or cars, and would not cover livestock. On the other hand, Livestock Mortality Insurance specifically covers the loss of animals due to death, including events such as lightning strikes.
Farmowners Insurance can also provide coverage for a variety of farm-related issues, including the loss of livestock. Lastly, Crop Insurance is designed to protect against the loss of crops due to natural disasters or loss of revenue due to declines in the prices of agricultural commodities and would not typically cover livestock.