There are some insurers who will insure you without specific training
I think Babtac do...
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Ouch, really? If you apply the same principles to any industry then if you want to do something that wasn't covered in the basics you need further training to advance on. As we are unfortunately a society nowadays where we like to sue, I wouldn't do anything without being trained first. You do like to think that nothing would go wrong but there is a thread on here stating she is being sued over an eyebrow wax.
If anything was to happen, the first thing the insurance would do is ask for certificates if they haven't already. A lawyer would have a field day otherwise.
Tina i would advise getting trained properly in this so you can carry out the treatment safely and effectively. Hard wax is definitely better though for this type of bikini wax.