Is it strictly necessary to have an insurance or some sort, being a carpenter / mason?

I have a question for carpenters. Share please your opinion about worm drive saw, is it easy to use with one hand? I am thinking of buying Makita 5007F 7-1/4-Inch Circular Saw. Is it heavy, well balanced etc? Can you compare it with sidewinder? I am using it now. Or you would recommend both for different types of work?

Carpenters can choose specialisations as bench joiner, fixer, shop fitter, or formwork joiner. These persons may choose to design, fashion and build structures and items built from wood. This may include floors, houses, furniture, doors, windows and stairs. To be able to build all these things to precision, Carpenters must be good at understanding numerical data and taking accurate measurements.
These professionals may work in workshops, job sites, and factories. It is easy to get lost in a project and often deadlines must be met, hence Carpenters may have long hours. Travelling to different job locations is also a requirement. Because of the nature of the job, Carpenters must protect themselves with the appropriate gear.
A Carpenter usually performs many of the following tasks:
• Taking measurements
• Installing doors, windows and other fixtures
• Making various adjustments to fittings
• Selecting work material like wood and tools
• Visiting job locations and speaking with clients