Mobile fueling comes with a risk profile that differs from traditional transportation or fuel distribution. From fuel transportation and mis-delivery exposures to environmental liability, regulatory compliance, and heightened auto and workplace safety concerns, the margin for error is small, and the cost of getting coverage wrong can be high. 

At SWZ, mobile fueling risk management is not an add-on or a secondary offering. It’s a dedicated specialty led by a highly focused team that works exclusively with industries we deeply understand. We partner closely with carriers and underwriters to build insurance programs that reflect how mobile fueling companies operate.  

Licensed to serve clients in 33 states, SWZ offers an A+ rated insurance program designed specifically for mobile fueling operations. Through detailed underwriting submissions and a deep understanding of your day-to-day exposures, we help position your business for comprehensive protection, competitive pricing, and long-term risk mitigation. 

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Our coverage includes:

Commercial Auto Liability 

Too many insurers incorrectly rate mobile fueling companies as fuel distributors or truckers, which can drive premiums unnecessarily high and leave coverage gaps. We ensure your operation is properly classified and structured to avoid missed coverages, such as broadened pollution liability or the CA 99 48 endorsement, while keeping costs under control. 

Commercial General Liability 

Improper classification is one of the most common issues we see when we start working with a new mobile fueling client. We know that mobile fueling is not trucking-for-hire, fuel distribution, or oil dealing. We also know that treating it the same can create serious coverage gaps. We make sure your general liability coverage reflects the realities of mobile fueling, so you have the right protection at the right price. 

Mis-Delivery of Liquid Products 

Mis-delivery and fuel contamination claims are among the most frequent and most overlooked loss scenarios in mobile fueling. Yet, many policies exclude this exposure entirely. We ensure our clients either carry this critical coverage or fully understand the risks of going without it. In most cases, it’s an inexpensive addition that can prevent a devastating uncovered loss. 

Transportation and Contractors Pollution Liability 

We provide pollution coverage for on-site spills, in-transit incidents, and long-term storage exposures. This coverage addresses not only cleanup costs, but also excavation, removal of contaminated soil, and restoration of affected areas. These claims can be extraordinarily costly, and proper coverage is essential, especially for growing companies. 

Excess or Umbrella Liability 

We offer excess and umbrella limits up to $25 million, with most clients carrying $4 million to satisfy their contractual requirements. Importantly, many umbrella policies exclude pollution unless specifically endorsed. We make sure your excess coverage aligns with your underlying risks. 

Excess or Transportation of Goods/Cargo Liability 

Standard motor truck cargo policies typically exclude “owned goods” under coverage. For mobile fueling companies that resell fuel, we structure the proper Transportation Floater to ensure coverage is in place when it matters. 

Workers’ Compensation 

We align workers’ compensation coverage with the correct class codes to avoid overcharging and ensure compliance. With access to 11 A+ rated carriers specializing in this space, we help keep your workforce protected and your operation running smoothly. 

Filings and Compliance Services 

We assist with required state filings and handle compliance on your behalf—so you can focus on operating your business.  

If your business is engaged in mobile fueling, don’t rely on coverage that wasn’t designed for your risks. 

We’d love to show you how our specialized program can work for your business. Give us a call for a free quote.