Hi Jason,
A risk assessment should cover any possible risk to health within a working environment.
I am presuming you have employees! for this purpose your risk assessment needs to start as soon as your staff place one foot onto their place of work, for instance for domestic cleans, as soon as you open the gate to the clients property what risks can you spot (uneven paving slabs, missing manhole covers over hanging trees, animals, etc. note everything! I disagree with simple and not so long winded as people wont read it, if there is a risk assessment in place ( you always keep the origional signed copy) if no-one reads it, then that is their choice, I strongly recommend this simply because we live in a society where people don't want to take responsibility for their own actions, Health and safety and plenty believe in non ethical ways of obtaining money such as suing. always cover your self, train each person who works for you on health and safety issues too, this can be done on site at a clean showing them to read risk assessments and teach them all about cosh etc, always cover your back. check out the business link website for info on legalities. I hope this helps