For example, assume that, as a result of a lawsuit or settlement, a claimant is entitled to specific amounts of money held within an insured's pension plan. If such monies can be paid from the plan, it is not the intent of a fiduciary policy to make such payment, because this would have the effect of covering a business risk. On the other hand, if a claimant were to assert a valid claim against a now-defunct or insolvent plan (from which no or only limited funds were available), this exclusion would not preclude payment in such circumstances.