Born from the Trucking Industry
We didn't start as general insurance brokers who added trucking. We started in trucking — and never left.
3 Years on the Road With You
ZSF Insurance was built by people who understood trucking from the inside — and set out to give carriers the coverage they actually deserved.
The Trucking Insurance Specialists
ZSF Insurance comes with one focus: trucking. While other brokers write a little of everything, we have spent every day since doing one thing — helping US carriers, fleet operators, and owner-operators get the right coverage at the right price.
We work with A-rated, AM Best-approved carriers that specialize in transportation risk. That means better underwriting decisions, faster policy issuance, and claims handling by adjusters who actually understand how trucking operations work.
From a single-unit owner-operator getting their first authority to a 100-truck fleet managing complex multi-state operations, ZSF has the experience and carrier access to get you covered — often the same day.
Our Core Values
Trucking First
Every decision we make is shaped by a deep understanding of the trucking industry. We don't just sell policies — we understand your operation.
Speed & Simplicity
Truckers don't have time for slow brokers. We issue certificates, file FMCSA documents, and bind coverage faster than anyone in the business.
Honest Advice
We tell you what you actually need — and what you don't. No upselling, no confusion. Just straightforward guidance from people who know trucking.
Long-Term Partnership
Our 98% retention rate reflects the trust carriers place in us year after year. We earn your business every renewal, not just at the start.
Meet Our Team
Licensed brokers with deep trucking industry expertise and a genuine commitment to every carrier we serve.
James Chen
20+ years placing trucking insurance across the US. James built ZSF on the belief that truckers deserve a broker who speaks their language and fights for their rates.
Priya Sharma
Specialist in mid-size and large fleet programs. Priya manages complex multi-unit accounts and leads our carrier relationship team.
Marcus Williams
A former dispatcher turned broker, Marcus understands the economics of running a single unit better than anyone. He works exclusively with new and independent owner-operators.
Let's Get You on the Road
Whether you're just getting your authority or shopping for better rates on an existing fleet, our team is ready to help.