Hello Everyone,
I have a doubt in PCB Trace clearance on different voltage levels. I will calculate the minimum clearance using following website:

The circuit designer's guide and calculator of the spacing between PCB traces for various voltage levels based on UL60950-1 and IPC standards.
I also use Saturn PCB Toolkit.
I calculated clearance for 48V and attached the result showing in website.
I am going to route in a External layer. My doubt is which one I need to choose 0.6mm? or Coated - 0.13mm?
I can't understand what is Coated? Is it a soldermask applied PCB? Can any one explain this?