Hi
In my company..we are allowed to refuel with pax on board,provided
1-Fire truck is standing by close to the aircraft
2-Cabin crew checks that all pax have their seat belts un-fastened
3-The 'NO SMOKING' sign is switched off
4-No loading/offloading of pax,catering..etc is allowed during this phase
5-pax embarkation/disembarkation has to be completed either before or after refueling with remaining pax on board