Medical Definition of Sexual sadism. Sexual sadism: Individuals with sexual sadism disorder have persistent fantasies in which sexual excitement results from inflicting psychological or physical suffering (including humiliation and terror) on a sexual partner. This disorder is different from minor acts of aggression in normal sexual activity; for example, rough sex.
total insurable value (TIV) A property insurance term referring to the sum of the full value of the insured's covered property, business income values, and any other covered property interests. Suggest an improvement or addition to the Insurance and Risk Management Glossary. Buy a print version of the Insurance and Risk Management Glossary.
Insurance to value exists if property is insured to the exact extent assumed in the premium rate calculation. The rate calculation may assume that the average level of coverage is less than 100% of the value of the. property. Insurance to value means insurance to full value only if 100% coverage is assumed in the rate. computation. Underinsurance is coverage less than that assumed, and overinsurance is coverage beyond. that assumed. As the concept of insurance to value is so closely tied to the premium rate calculation, it.