Provide detailed thoughts and analysis in 1 paragraph of the issues/topics discussed in the paragraph below.

Businesses suing insurers for billions in losses from Covid-19 shutdowns are entering a new phase. Over the past year, judges have ruled in favor of insurers in hundreds of cases. Many of those cases involved policies with virus-specific exclusions. But last month, a jury in Kansas City, Mo., heard a case without such an exclusion. It was the first coverage dispute to reach jurors, out of more than 1,800 cases. Insurance-industry lawyers are bulking up their filings to try to counter the arguments that insurers have made so far. Large companies often have tailored policies, which don't always have the boilerplate virus-specific exclusion that is common in policies sold to smaller businesses. In the Major League Baseball lawsuit, the league, its 30 clubs and affiliated entities argue that they lost billions of dollars when revenue plummeted. Business-interruption lawsuits have shaped up to be one of the biggest fights the insurance industry has ever waged. A California appellate court this week concluded the plaintiff, a hotelier, lost business because of government shutdowns, not damage from the virus on the property. Four federal appellate courts in recent weeks have backed up a half dozen of the early judicial rulings.