Never Let a Policy Lapse or a Licence Expire Without Warning
Your public liability insurance renewed six weeks ago, but the certificate is sitting in your accountant's email inbox because you forgot to request a copy.
Your public liability insurance renewed six weeks ago, but the certificate is sitting in your accountant's email inbox because you forgot to request a copy. Your premises licence is displayed behind the bar, but nobody has checked whether the conditions have changed since the council updated them last year. Your employer's liability certificate, which you are legally required to display under the Employers' Liability (Compulsory Insurance) Act 1969, expired two months ago. Each of these gaps represents a different risk: financial exposure, regulatory non-compliance, and potential prosecution. Paddl gives you a single system to store, monitor, and manage every insurance policy, licence, and certificate your business holds, with AI-powered document analysis that extracts key dates and terms automatically.
What businesses struggle with
Policies Expire Without Notice
Insurance renewal dates pass without anyone noticing. Renewal correspondence gets lost in email or buried under paperwork. The gap between expiry and renewal can leave your business exposed.
Documents Are Scattered and Inaccessible
Insurance certificates live in emails, licence documents in filing cabinets, safety certificates with contractors. When you need to produce a specific document, finding it takes far too long.
Coverage Gaps Go Unidentified
Without reviewing policy details carefully, businesses can operate with inadequate coverage. The gap between what you think you are covered for and what the policy actually says only surfaces during a claim.
Licence Conditions Change Untracked
Local authorities can vary licence conditions. If changes to your premises licence conditions go unnoticed, you could be operating in breach without realising it.
The Documents You Cannot Afford to Forget
Food businesses hold a complex set of insurance policies and licences that each have their own renewal dates, conditions, and compliance requirements. Public liability insurance, employer's liability insurance, product liability cover, premises licences under the Licensing Act 2003, food business registration, gas and electrical safety certificates, fire safety assessments, and waste carrier licences all need active management.
The common failure mode is not that businesses choose not to renew, it is that renewal dates pass unnoticed. The renewal letter arrives during a busy week, gets set aside, and gets forgotten. Three months later, you discover the lapse when a supplier asks for proof of insurance, when a council officer checks your licence, or when an incident occurs and your cover has expired.
Paddl's AI document analysis reads your insurance certificates and licence documents, extracts the key information (policy numbers, coverage limits, effective dates, expiry dates, conditions), and sets up automatic monitoring. You upload the document once, and Paddl handles the rest: storing it securely, alerting you before expiry, and giving you a single dashboard view of every active policy and licence.
How Paddl helps
AI Document Analysis
Upload your insurance certificates, licences, and safety documents. Paddl's AI extracts policy numbers, coverage details, effective dates, and expiry dates automatically. No manual data entry required.
Automatic Expiry Tracking
Every document with an expiry date is automatically monitored. Paddl sends alerts at configurable intervals before expiry so you have time to arrange renewal without gaps in coverage.
Centralised Secure Storage
All your insurance, licence, and certificate documents stored in one secure digital location. Accessible to authorised team members from any device, any time.
Coverage Insights
AI-generated insights on your insurance coverage highlight potential gaps and areas where your cover may not match your operational risk. Understand your policies without reading the fine print.
Everything you need
Document Upload and AI Extraction
Upload certificates and licence documents in any format. AI reads and extracts key information: insurer, policy number, coverage type, limits, effective dates, and expiry.
Expiry Dashboard
A single view of all your policies and licences with their status: current, expiring soon, or expired. Sorted by urgency so you always know what needs attention first.
Renewal Alerts
Configurable email and push notification alerts before expiry. Set reminders at 90 days, 30 days, and 7 days, or any intervals that match your renewal process.
AI Coverage Insights
Automated analysis of your insurance policies that highlights coverage limits, exclusions, and potential gaps relative to your business type and risk profile.
Secure Document Storage
All documents stored with encryption in cloud infrastructure. Role-based access ensures only authorised team members can view sensitive insurance and licence information.
The numbers that matter
Common questions
What insurance does a food business legally need?
At minimum, employer's liability insurance is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969 if you employ anyone. Public liability and product liability insurance are not legally mandatory but are essential for any food business. Most landlords and local authorities also require proof of public liability.
How does the AI document analysis work?
Upload your insurance certificate, premises licence, or safety certificate as a PDF or image. Paddl's AI reads the document, identifies key fields (insurer, policy number, coverage, dates), and populates your record automatically. You review and confirm the extracted information.
Can I store licences that do not have expiry dates?
Yes. Some documents, like your food business registration confirmation, do not expire. Paddl stores these alongside time-limited documents. You can mark them as non-expiring so they do not generate renewal alerts.
Who can access insurance and licence documents in Paddl?
Access is controlled by role. Business owners and managers can view and manage all documents. You can restrict access so that general team members cannot see sensitive financial information like coverage limits and premiums.
Does Paddl replace my insurance broker?
No. Paddl tracks and manages your existing documents. It does not sell, broker, or underwrite insurance. The AI insights are informational and help you ask better questions of your broker, but they do not constitute insurance advice.
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