Re: USCG 2012 Boating Accident stats--"It ain't us?"..
I always point to these kinds of stats whenever we get into discussions about insurance. While all stats are tricky, and these certainly do not tell the whole story, what they do indicate is how very safe sailboating is. The real risks involved are exceedingly small.
Since insurance is about managing, or mitigating risk, it's instructive to consider what the actual level of risk really is.
Why go fast, when you can go slow.