Ryan,
With the greatest of respect, Risk Assessments have been a legal requirement for a number of years now, I dont understand why you have failed to comply. I would have thought that one of your greatest selling points to potential customers would be the ability to carry out high risk work safely!
Part of the legislation requires that the person writing the R/Assessment must be competent to do so, so just recieving one from the forum would not actually be enough, although to be fair, if you are a one man band, so to speak, you would probably get away with it. Different matter altogether if you are an employer!
A Risk Assessment must be completed before starting work, and each job requires a unique assessment, although again, most would be the same, with a few minor modifications between different sites.
As it stands, ie. working without any Risk Assessment, you are in actual fact breaking the law, and at the present time, there would be a good chance of your insurance company refusing to pay out should you need to claim, you are also putting any clients that you already have at risk, because the law states that they must take all reasonable care to ensure that any contractor, including the self employed, are competent to do the job that they are contracted to do, that they have a H & S Policy, and not just a policy statement, Risk Assessments and the required insurance.
I would suggest that you rectify this situation asap, this is written not to insult or belittle, but to inform, best of luck, regards,
Rob