Many accidents happen off-working-hours, and these can also lead to medical costs and loss of income.
The employer can increase the insurance cover for the employees by taking out an insurance for leisure time accidents. The leisure time accident insurance can be taken out as a group insurance for the entire personnel of a company or for a certain group of employees (at least 3 persons). It is also possible to take out an individual leisure time insurance for a specific person.
According to the collective agreement for the shipping industry in Finland the employer is obligated to take out accident insurance for leisure time, as well as a supplementary insurance for leisure time that covers injuries following physical assault or some other intentional act by another person for the sea personnel.