Lawyers are fond of declaring, “You can sue anybody for anything.” Insurance agents might counter, “And we'll cover it.” Alien abduction? Covered. Injured by a ghost? We'll pay. Pregnant by immaculate conception? Sure. A London-based insurance brokerage called Goodfellow Rebecca Ingrams Pearson offers these coverages and more in what appears to be an attempt to corner The Twilight Zone market.

Fortunately, the readers of Florida Underwriter are more focused on mainstream markets and products — excess and surplus lines, property and casualty, and workers' compensation, with some life and health thrown in on occasion. With that general landscape in mind, and as we observe our 25th publication year, we asked three longtime Florida insurance experts — an agent, a media relations professional, and an attorney — to reflect on the past two-plus decades of Florida's insurance industry.

The insurance specialists who so generously contributed to this retrospective are: Tom Enright of Enright & Wilson, Inc., in Hollywood, a frequent contributor to Florida Underwriter, focusing on excess and surplus lines issues (or anything else that strikes his fancy); Lynne McChristian, the Florida representative for the Insurance Information Institute; and Jim McConnaughhay, founding partner of McConnaughhhay, Duffy, Coonrod, Pope & Weaver, PA, a workers' compensation, civil litigation, employment and elder law firm based in Tallahassee with offices in eight other Florida cities. From their respective viewpoints, they provide a compelling picture of ourselves and our business.