The risk inspection programme is mainly driven by life risk, not necessarily the premises risk.
I never hide the fact that owners/employers will be held accountable for any person being injured or, god forbid, dying during a fire at their premises as part of my introduction talk during inspections. I also find that those persoms who don't really care for the safety of their staff (and there are plenty out there) suddenly become very interested in what they can do.
This is purely my own opinion, but if an employer isn't prepared to spend, for example £1,000 on fire safety issues, then that is the value he/she places on a life....... totally unacceptable in my book.
I agree that larger companies will look after themselves, but they don't always do a good job as I have discovered. They like to make money, don't like spending it and think it's OK to sit on a quote for repairs to fire safety items for 3 months.......... but it isn't.
I have also discovered that some of the smaller companies are the ones that do a good job, and take full responsibility for safety matters. They know they can't spend large amounts of money in one go, so have a work schedule with funds allocated, usually the result of the risk assessment significant findings. Can you argue with someone who hasn't got it all in place at the time but is making progress and has identified the problems? I don't think so, but again, thats my opinion.