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.
Average Clause is a formula used to calculate the amount payable for a claim based on the insurance coverage relative to the replacement cost of the property. If a property is insured for less than 85% of its replacement value, the insurance company will calculate the loss in proportion to the sum insured.verage Clause is a formula used to calculate the amount payable for a claim based on the insurance coverage relative to the replacement cost of the property. If a property is insured for less than 85% of its replacement value, the insurance company will calculate the loss in proportion to the sum insured.