# Insurance tracking software for UK hospitality Canonical: https://paddl-ai.co/features/insurance Last reviewed: 2026-09-11 by the Paddl team Paddl's insurance tracking software reads a venue's policy schedules with AI, keeps a register of public liability, employers' liability, contents and other cover per site, flags gaps against what the lease and the business require, and alerts you before each renewal. ## What Paddl's insurance tracking software does - Policy schedules uploaded and read by AI: insurer, cover, limits, excess, renewal date - A cover register per site: public liability, employers' liability, contents, equipment, business interruption - Gap analysis against the requirements in the lease and the nature of the business - Renewal alerts at 60 and 30 days with calendar sync - Evidence of cover pulled into the incident evidence pack automatically ## What it does not do - Paddl does not sell or broker insurance and does not recommend a specific insurer ## Pricing - **Price:** £69 per location per month, or £703.80 a year (15% off). Every feature is on the one plan. - **Trial:** 30 days free with full access. Card required, cancel anytime, no contract after. - **Included per location:** 5 owner and manager users and 10GB of document storage. Extra owners or managers are £2.99 a month each; staff do not take a seat. - **Covers:** SFBB, HACCP, allergens and Natasha's Law, temperature and cleaning records, training records, COSHH, risk assessments, licences and insurance, and an EHO-ready audit pack. - **Apps:** Staff app for iOS and Android with team chat, web dashboard for managers, shared venue tablets with PIN tap-in; works on any phone or tablet. - **Company:** Paddl is a trading name of Trading Projects Ltd, company number 16456940, registered in England. Pricing page: https://paddl-ai.co/pricing ## 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. ## Related - [Best Insurance Management Software for Hospitality (2026)](https://paddl-ai.co/best/best-insurance-management-software-hospitality) - [Lease management software](https://paddl-ai.co/features/lease-property): Paddl's lease management software reads a commercial lease with AI to extract the break clauses, rent review dates, notice periods, repairing obligations and service charge terms, tracks the key dates per site with alerts before each notice must be served, and cross-references the lease's insurance requirements with the policies you hold. - [Legal guidance](https://paddl-ai.co/features/legal-guidance): Paddl's legal guidance triages an incident (a slip, a food safety complaint, an employment dispute), gathers the relevant training records, routines, risk assessments and insurance from the venue's own account, gives a step-by-step action plan, and exports an evidence pack for the insurer or solicitor. - [Document management software](https://paddl-ai.co/features/documents): Paddl's document management software takes any file a venue holds (certificates, Safety Data Sheets, menus, policies, licences, leases, insurance schedules), classifies it with AI, extracts the dates and data into the right record, tracks expiry, and collects staff sign-off. - [Licence management software](https://paddl-ai.co/features/licences): Paddl's licence management software reads a venue's premises, personal, TEN, PRS for Music, gaming and pavement licences from the uploaded documents, keeps a register per site with the holder and the conditions, and alerts you at 60 and 30 days before each renewal.