Hi Dan,
Insurance is very important, make sure you're fully covered for all aspects before doing your first job.
HSBC is who I'm insured with, good cover and very competitive.
However if your trained and do your job properly / safely you should never have to claim.
Mistakes and accidents do happen so having the back-up is essentilal.
Get yourself on a training course, you will learn a lot and can ask as many questions as you like!
Kind regards,
Jason.