Preheat oven to 350F. Dice your onion, zucchini, garlic, and bell pepper.
In a cast iron pan or large sauce pan, over medium heat, add a drizzle of olive oil. Add the onion, minced garlic, and ground meat, if using, and cook until no longer pink, breaking the meat up into small pieces as it cooks. Then add in the zucchini, bell pepper, spices, broth, canned tomatoes, and beans.
Give everything a good stir, and bring it to a low simmer. Then place a lid over the pan, allowing it to cook for 20 minutes or so to allow the veggies to soften. After this, I like to taste the chili and adjust any seasonings!
While the chili is cooking, make the cornbread batter. Simply combine everything in a bowl until no lumps remain. Remove the chili from the heat and carefully pour the batter over top. Using a spatula, gently spread the batter over top of the chili, trying not to mix it together.
Place the cast iron skillet into the oven and bake for 22-25 minutes until the cornbread topping is completely golden. Then remove from the oven. If you don't own a cast iron skillet or oven-safe pan, just dump the chili into a 9x13 casserole dish, then spread the cornbread batter over top, and bake!
Let it cool a few minutes, then serve! We like to top ours with dairy-free cheese, sour cream, cilantro, jalapeno's, chives, and avocado!