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Of course, once you've had the training you know the risks, you have to be prepared to pay the price if you're not thorough.
As you say, the authorities are not going to get involved if your floor sanders f**k up though. There's no real code to hold them to either.
On the other end of it there are cases where it's not so cut and dry. Homeowners sometimes have unreasonable expectations, tradesmen start to feel nothing is good enough so they don't even try and the homeowners go from one tradesman to another being disappointed with every one of them. A lot of it is just finding the right fit between trades and client. I appreciate that's harder to achieve if you are doing the big one off jobs like fitting a CH system.
There was one with electrics not so long ago. New build, installation signed off but a cable had a screw driven into it in the airing cupboard. Someone died and the electricians were successfully prosecuted, someone went to jail. They were employed by a larger company but if your name's on the sheet you're liable.