This is what you'll get

The top gaps we'd flag

• No complaint procedure

  Priority

  The handbook has no step-by-step way for an employee to report a problem — no named recipient, no timeline. Underwriters commonly expect a clear reporting path, and its absence is one of the most common reasons a claim becomes expensive.

  Add a step-by-step reporting procedure that names who to contact and states a response timeline.

• Weak anti-retaliation statement

  Worth fixing

  There is a brief mention of retaliation, but it's conditional and narrow — it doesn't clearly protect people who report, participate, or witness. Underwriters commonly look for an unequivocal non-retaliation promise.

  Strengthen the clause to cover reporters, participants, and witnesses, in plain, unconditional language.

• Anti-harassment policy lacks examples

  Worth fixing

  A policy is present but stops at a one-line prohibition — no concrete examples, no full list of protected bases. A thin policy reads as a checkbox rather than a real standard.

  Expand it with concrete examples and the full set of protected classes the policy applies to.