Coverage against negligence claims in professional services is provided by?

Prepare for the VTCT Level 2 Facial and Skincare Test. Revise with flashcards and multiple choice questions, accompanied by insightful explanations. Ace your assessment with confidence!

Protection against negligence claims in professional services is provided by professional indemnity insurance. This type of policy is designed to cover the financial risk when a client claims that your professional advice or treatment caused them harm or loss. It typically pays for legal defence costs and any compensation or settlement up to the policy limits. In a skincare or facial massage setting, this means if a treatment leads to an adverse outcome or a client alleges negligence in the guidance given, the insurer helps cover the costs and damages, according to the policy terms. This differs from data protection or filing systems, which relate to handling client information and organizing records, not protecting against liability for professional mistakes.