Panic Report: Zone cache element was used after free!
I've had the same issue on two separate Mac's (including a brand new 16" MacBook Pro I bought two days ago) both running Catalina 10.15.3 (19D76). It's happened on system wake, using Chrome, and randomly with no apps running in the foreground.

Perhaps a background process is responsible. What background processes are active? (I'm running the latest versions of Little Snitch, Intego Virusbarrier X9 and Creative Cloud).