Professional Risk Management Services® ( “PRMS®”) provides the information contained in PRMS U for general use and information. Information provided is intended to improve clarity on issues regarding psychiatry services and insurance coverage, and related issues regarding those services. This information is intended, but not promised or guaranteed, to be current, complete, or up-to-date. PRMS is neither a law firm nor a provider of professional medical services, and the materials on this website do not constitute legal, medical, or regulatory advice. You should not act or rely on any legal or medical information in this website without first seeking the advice of an attorney, physician, or other appropriate professional. PRMS, The Psychiatrists' Program and the PRMS Owl are registered Trademarks of Transatlantic Holdings, Inc, a parent company of Fair American Insurance and Reinsurance Company (FAIRCO).