Id. James River relies heavily on Pan Am Railways, Inc. v. James River Ins. Co. , 63 N.E. 3d 63, 2016 WL 6358944 (Mass. App. Ct. 2016), an unpublished Massachusetts case addressing James River's EL Exclusion Endorsement, to support its contention that the Endorsement precludes coverage. See docs. 139 at 5, 24-25; 150 at 3, 11-12.