Most insurances class perming and lifting as separate treatments so you would probably not be covered without the training.
Even if your insurance covers you it is best to do the training as you need to learn how to perform the treatment. Whilst it may seem similar it is still important to know how to do it, especially if you want to build up a reputation for good and reliable results. As with everything, it is not rocket science but you can still go wrong or not get the full potential if you dont know how to do it and that can do a lot of damage to your business (let alone clients) x