In reply to Ramblin dave:
If she is going for work then surely they would insure her for reasonable after-hours activities, although there is this rather well known case from Australia worth noting:
"A public servant who was injured while having sex in a motel room during a work trip is not eligible for compensation, the High Court has ruled.
The Federal Government employee, who cannot be named, was injured in 2007 when a light fitting was dislodged and fell on her as she was having sex with a man.
The incident took place in a motel room in a country town in New South Wales, where the woman, aged in her 30s, and another employee had travelled for work.
Her employer had booked her into the motel room.
The woman said the light hit her in the face, injuring her nose, mouth and a tooth and also causing a psychiatric adjustment disorder.
She was taken to hospital for treatment.
The Government's workplace safety body, ComCare, initially accepted her compensation claim, but it was later revoked and the decision was also upheld by the Administrative Appeals Tribunal."
http://www.abc.net.au/news/2013-10-30/sex-compensation-high-court/5057348