Mukushanda kunoita hushangazhi, Tsivatsaona chirongwa chinobatsira vemabhizinisi munguva yokunge nzvimbo dzavo dzehushangazhi dzarasikirwa nemari kuburikidza nenjodzi dzinoitika muhushangazhi. Vamabhizinisi vanoripa muripo kuKambani dzeTsivatsaona (Insurance) mwedzi wega-wega; musi unoitika tsaona munzvimbo yehushangazhi, makambani eTsivatsaona anotsiva hukoshi hwechinhu chinenge charasika mutsaona. Izvi zvinobatsira kuti vemabhizinisi vakwanise kudzoka pakushanda zvakare mushure metsaona. Kambani dzeTsivatsaona dzinogamuchira mudeme-mudeme kubva kumabhizinisi akawanda, izvi zvichibatsira kuti pave nehomwe yemari inoshandiswa musi unoitika tsaona kune avo vanenge vakaita mudeme-mudeme.