Rooted in Trucking, Built for Every Business
We got our start insuring trucking companies — and that's still where we go deepest. We've since grown that same expertise into commercial insurance for businesses of every kind.
Commercial Insurance Specialists, Trucking at Our Core
ZSF Insurance got its start in trucking insurance, and it's still where we go deepest. That foundation has grown into a full range of commercial coverage — commercial auto, personal auto, general liability, workers' compensation, and business owner's policies — so businesses of every kind can get the right coverage at the right price.
From a trucking company getting its first policy to a growing business adding general liability or workers' compensation for the first time, ZSF has the experience and carrier access to get you covered — often the same day.
Our Core Values
Trucking Expertise, Broader Reach
Trucking is where we built our foundation, and it's still our strongest line — but that same depth of understanding carries through every commercial policy we write.
Speed & Simplicity
Businesses don't have time for slow brokers. We issue certificates, handle required filings, 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 commercial insurance.
Long-Term Partnership
Our 98% retention rate reflects the trust clients 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 business we serve.
Josh S.
Leads ZSF's overall strategy and carrier relationships. Josh is committed to building a brokerage that puts client outcomes first.
Let's Get You Covered
Whether you run a trucking fleet or any other kind of business, our team is ready to find you the right coverage.