Never miss a coverage gap or renewal
AI-powered insurance document analysis, automatic expiry alerts, and coverage recommendations. Stay protected without the paperwork headache.
Insurance should protect you, not stress you
Most hospitality businesses don't know if they're properly covered
Underinsurance risk
Your business has grown, but your coverage hasn't. Without proper insurance gap detection, a claim gets rejected because your policy doesn't match your current operations.
Missed renewal deadlines
Insurance renewals slip through the cracks. Without insurance renewal reminders, one lapse could leave you exposed to massive liability.
Unclear coverage levels
Do you have the right public liability limits? Is your equipment covered? What about business interruption? Finding answers means digging through policy documents.
Documents scattered everywhere
Certificates in email, policies in folders, renewal notices lost in spam. Without insurance document scanning, when you need to prove business insurance compliance it takes forever to find what you need.
Insurance management made simple
Paddl brings all your insurance documents into one place, extracts key information automatically, alerts you before renewals, and identifies coverage gaps specific to your business type.
AI Coverage Analysis
Upload your insurance documents and AI analyses your coverage against your business type, licence conditions, and lease obligations. Identifies gaps like missing building insurance for FRI leases.
Document Extraction
Hospitality insurance AI reads your policy documents and certificates, extracting key information like coverage amounts, policy numbers, insurer details, and renewal dates automatically.
Renewal Alerts & Calendar Sync
AI-extracted renewal dates are auto-populated to your business calendar and exportable iCal feed. Proactive alerts escalate at 60 and 30 days before renewal, syncing to Google Calendar, Outlook, or Apple Calendar so you never miss a deadline.
Coverage Register
All your insurance policies in one place. Public liability, employers liability, buildings, contents, equipment, and more, organised and searchable.
Gap Recommendations
AI identifies insurance gaps by cross-referencing your business type, licence activities, and lease terms. Flags FRI leases without building insurance, delivery operations without vehicle cover, and entertainment licences without adequate public liability.
Multi-Location Support
Track insurance across all your venues. See which locations have coverage, what policies apply where, and ensure consistent protection.
What our customers achieve
Real improvements from hospitality businesses using Paddl for insurance tracking
Insurance types you can track
Public Liability
Track your public liability coverage across all venues. Ensure coverage levels are appropriate for your footfall and activities.
Employers Liability
Monitor employers liability certificates and renewal dates. Required by law, tracked automatically.
Equipment & Contents
Match your equipment register to your insurance coverage. Know exactly what's protected and what's at risk.
Business Interruption
Track business interruption coverage. AI analyses whether your coverage matches your actual turnover and costs.
Business Rates Check
Also check your business rates. Many hospitality businesses overpay without knowing. Verify your rateable value, confirm the RHL multiplier is applied, and identify reliefs you may be missing.
Insurance Document AI Extraction
Upload your policy schedules, certificates of insurance, and renewal notices as PDFs or photos. Paddl AI reads the documents and extracts coverage types, policy numbers, insurer details, excess amounts, limits of indemnity, and renewal dates automatically. No more manually typing policy details into spreadsheets.
Coverage Gap Detection
Paddl AI cross-references your uploaded policies against your business type, number of staff, premises type, licence conditions, and lease obligations. It flags potentially missing coverage such as an FRI lease without building insurance, delivery operations without vehicle cover, or a late-night venue without adequate public liability limits.
Renewal Timeline Management
Every policy renewal date extracted by AI is added to your business calendar and synced via iCal to Google Calendar, Outlook, or Apple Calendar. You receive alerts at 60 days for early planning and 30 days as a final warning. Your dashboard shows policies that are current, expiring soon, or lapsed at a glance.
Claims Evidence Compilation
When you need to make a claim, Paddl helps you pull together the evidence: incident reports with photos and timestamps, complaint records, maintenance logs, temperature records, and staff statements. Having organised, timestamped records strengthens your claim and speeds up the process with your insurer.
Frequently asked questions
How does Paddl help manage insurance documents for hospitality?
Paddl provides a centralised insurance register where you upload all your policy documents. AI automatically extracts key details like coverage amounts, policy numbers, insurer names, and renewal dates. Everything is searchable and accessible from any device, replacing scattered emails and filing cabinets.
How does insurance policy tracking and renewal reminders work?
When you upload an insurance document, AI extracts the renewal date and coverage end date automatically. These dates appear on your business calendar and sync to Google Calendar, Outlook, or Apple Calendar via iCal. You receive proactive alerts at 60 days (informational) and 30 days (warning) before renewal. Your dashboard shows which policies are current, expiring soon, or lapsed.
What insurance do UK hospitality businesses need?
At minimum, UK hospitality businesses need employers liability insurance (a legal requirement if you have staff) and public liability insurance. Most also need buildings and contents cover, business interruption insurance, and product liability. Paddl AI analyses your business type and operations to identify any coverage gaps.
What happens if my insurance lapses or I have a coverage gap?
Operating without valid employers liability insurance is a criminal offence with fines of up to 2,500 per day. A gap in public liability cover could leave you personally liable for injury claims. Paddl prevents lapses by sending advance renewal alerts and flagging any expired or missing coverage on your compliance dashboard.
Can Paddl identify gaps in my insurance coverage?
Yes. Paddl AI reviews your uploaded policies against your business type, number of locations, staff count, and operations. It identifies potentially missing coverage such as cyber liability, product liability, or business interruption insurance, and recommends appropriate coverage levels based on your specific operation.
How does Paddl cross-reference insurance with other documents?
Paddl AI analyses your insurance alongside your licence conditions and lease obligations. For example, if your lease requires you to maintain building insurance (FRI), Paddl checks whether a building insurance policy is on file and alerts you if not. Similarly, if your licence permits live entertainment, Paddl ensures your public liability covers events.
What insurance do hospitality businesses need?
UK hospitality businesses need employers liability insurance as a legal requirement if they employ staff, plus public liability insurance to cover injury or damage claims from customers and visitors. Most also need buildings and contents insurance, business interruption cover, product liability insurance for food and drink, and potentially motor insurance for delivery operations. The exact requirements depend on your lease terms, licence conditions, and the nature of your operations.
How does AI insurance document scanning work?
When you upload an insurance document to Paddl, AI reads the full text and extracts structured data: insurer name, policy number, coverage type, limits of indemnity, excess amounts, exclusions, covered premises, and renewal dates. This information is populated into your insurance register automatically. The AI handles policy schedules, certificates of insurance, and renewal notices in PDF or image format. You can review and correct any extracted data before confirming.
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