Final answer:
Physical impairment is not covered by Personal and Advertising Injury coverage in a Commercial General Liability policy - this type of claim is generally covered under Bodily Injury coverage. Libel and slander are covered, but standards for defamation claims differ between public figures and private individuals.
Step-by-step explanation:
The claim that would NOT be covered by Personal and Advertising Injury coverage in a Commercial General Liability policy is D. Physical impairment. Personal and Advertising Injury coverage typically includes protection for offenses like false arrest, wrongful eviction, libel, and slander.
However, physical impairment generally falls under Bodily Injury coverage, which is separate from Personal and Advertising Injury. Libel and slander constitute defamation of character that can lead to a loss of reputation and potentially income.
Media outlets exercise caution by distinguishing between fact and opinion. When they publish opinions, they are under certain protections against libel and slander claims because these statements are not represented as factual.
Moreover, in the event of a lawsuit, the standards for libel and slander are higher when it involves public figures compared to private individuals, due to the need to demonstrate 'reckless disregard' or malicious intent, referencing the landmark case New York Times v. Sullivan (1964).