I've seen where the Plumber sells the Tub to the Homeowner and puts it in. The Electrician wires it and the GC/Framer and Customer don't want to leave an access panel for cosmetic reasons. The poor Sparky had no say in any of these decisions but is the one left holding the bag.
I think if the requirement for access was put in the other codes (Building & Plumbing) it would put the responsibility closer to where it belongs (in everyone's interest to comply). JMO
[This message has been edited by Bill Addiss (edited 11-05-2003).]