With respect, I think your premises is incorrect from the outset. “We all know……”
In fact in the Order, there is no requirement for the ‘assessor’ to be competent as long as he produces a compliant FRA
Your leading phrase perhaps should read, ‘We all know that the Responsible Person has to carry out and record a suitable and sufficient (fire) risk assessment’
The term ‘competent person’ is mentioned and defined in a couple of areas within the Order - for example in Article 18 - but not in Articles 9 or 11 that refer to risk assessment and emergency procedures.
The rationale is a simple one - the Govt of the day was obsessed with reducing red tape for business and all new legislation had to go through certain tests to ensure it wasnt a burden.
So - those who guided HMG on fire safety policy argued the following case: - Consider a married couple who own a corner shop with no staff, a meagre turnover and a premises which presents a low risk of fire. Is it reasonable for them to employ an expensive professional for such a risk? They concluded it wasnt.
To back that idea up they mentioned that a SME owner has to provide a huge amount of paperwork to HMRC and others. They usually have the choice of doing themselves or getting someone competent in.
So fire safety should be manned in a similar way, and to allow DIY FRAs a suite of easy to read (??) Fire Safety Guides were published
So we have ended up in this curious hybrid of you don't need to be competent, but the document needs to be compliant
So - from my observations - you get:
The big companies - often with the bigger risk but lots of cash - employing competent fire safety professionals
Smaller one-man-bands with low risk premises may provide a DIY FRA (if you are lucky) but no real harm is done in terms of placing people at risk
Then we have the medium sized SMEs, with medium to high risk premises - maybe single story staircase builds etc. They cant afford a fire constant so ask their H&S guy to have a look. Or they will ask their caretaker to scribble something down. These are where the biggest problems and risks are
I have no idea what’s happening in the world of compulsory registering for fire professionals - but post Grenfell - I am surprised its not mandatory - at least for certain types and sizes of buildings