satsuma
Sorry, but you've got to be kidding with that suggested SMS policy! It might have some relevance in a major AOC organisation with many employees, but it is a complete waste of time for a small corporate or private operation. It's largely just health and safety generalised rhetoric and would probably only provoke disdain and contempt in many operations - and ones that fly with a great safety culture. It basically all just means fly as safely as we reasonably can, and that's what we all try to do.
When it comes to owner pressure, as others have said, we as pilots have got to be sensible and strong enough to say no when conditions are not safe, whatever the reason, and that should be part of the training and suitability appraisal.