Downloaded templates fail in a recognisable way: generic hazards nobody removed, sections describing a kitchen the building does not have, and blank fields where local knowledge should be. A record that could describe any premises describes none, and an experienced reader concludes within a page that the inspection never really informed the writing. Common mistakes in risk assessments catalogues the whole pattern.
Templates are legitimate as scaffolding; the failure is leaving the scaffolding visible. The working test is whether a stranger could take your document, locate every finding in the building and follow your reasoning to each action. Whoever drafts it, the responsible person owns the result, so the author question, covered under can anybody write a risk assessment, never displaces the ownership question.