Imagine several small businesses located around the country. Each is well-established and profitable. Each of them bought business insurance - property, liability, automobile and workers' compensation. They told their agents they wanted the lowest possible price for coverage, and the agents came through. But they didn't also take their agents' recommendations to purchase additional coverage. Unfortunately, they each suffered losses that threatened the very survival of their businesses. This is how they each got into such a fix: The underwater restaurateur The owner of a restaurant on the south shore of Long Island, NY, rejects his agent's offer of flood…