Business insurance works exactly the same as personal short-term insurance except that it specifically caters for the specialised requirements that businesses have. These requirements tend to vary dramatically from business to business and as such, was previously considered a niche insurance market. Business insurance quotes, therefore, were only issued by these niche insurance providers. Today, many more insurers offer business insurance, particularly for small to medium enterprises. As with personal short-term insurance, quotes are based on the risk factor of the business that is requesting the quote. The quote is based on the location of the business, the value of items to be insured, the nature of the business to be insured and a very wide and complex range of other factors. Businesses often also have an option to request a quote for insurance against loss of revenue due to damage or loss which forces a business to close down operations until the damages are repaired or losses compensated.