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.
Making overhead and profit an incurred coverage item can put a huge burden on an insured that may not have the means to front the expense. Imagine a homeowner has a fire that destroys their home. The replacement cost of the home is $200,000 and after overhead and profit is added the total rebuild cost is then $240,000.However, the home is older and the insurance carrier depreciates the home by $50,000 making an actual cash value payment of $150,000.aking overhead and profit an incurred coverage item can put a huge burden on an insured that may not have the means to front the expense. Imagine a homeowner has a fire that destroys their home. The replacement cost of the home is $200,000 and after overhead and profit is added the total rebuild cost is then $240,000.