A business income coverage form would cover all of the following situations EXCEPT?

A business income coverage form is designed to protect businesses against loss of income due to direct physical loss or damage to insured property. This typically includes situations where the business is unable to operate due to events like fire, water damage, or tornadoes, which cause physical damage to the property.

Water damage from a burst pipe would be covered because it involves a direct physical loss that interrupts business operations. Similarly, a fire that damages the building would also be covered under this type of insurance for the same reason - it causes a physical loss that impacts revenues.

A tornado damaging the property also fits the criteria for coverage, as it results in physical destruction that could halt business activities.

In contrast, a union strike delaying repairs does not result from physical damage to the property. While it may severely impact a business's ability to generate income, it does not involve a direct physical loss of property, which is a fundamental requirement for business income coverage to apply. Therefore, it would not be covered under this policy, making that situation the exception among the options provided.