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.
An amount the insurer will deduct from the loss before paying up to its policy limits. Most property insurance policies contain a per-occurrence deductible provision that stipulates that the deductible amount specified in the policy declarations will be subtracted from each covered loss in determining the amount of the insured's loss recovery. Usually, the amount of the deductible is not subtracted from policy limits.