Essex Insurance, doing business as Markel Essex, offers excess and surplus insurance -- which isn't the stuff left lying around, it's the insurance coverage companies seek when three other insurers have already turned them down. A subsidiary of specialty insurance provider Markel Corporation, Markel Essex provides coverage for light-to-medium loss exposures typically avoided by standard property/casualty insurers. Offerings include coverage on such niches as short-line railroad, driving schools, logging trucks, and daycares. Its basic products include product liability, truck physical damage, inland and ocean marine, and motor-truck cargo insurance. Some 400 general agents and brokers market its products.