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.
The reason that the Total Incurred figure is so important is that is the amount used by insurance carriers to report your insurance loss history to NCCI or your State Rating Bureau. The amount Spent is not what is used to calculate your E-Mod. It is the Total Incurred value. </>. For instance, if you have a Workers Comp claim that has only $300 spent but there are $13,000 in reserves, then the claim is valued at $13,300 not $300. We just received a call today from a company in California that had this very question.