I suppose it should be said, "Don't stand under the cargo either".
Boats should be cradled and lifted from shore when loading on board ship. Proper sling positioning is less likely to occur with the use of longshoremen, and in the water at that, than with an experienced crew familiar with slinging boats. Most failures are the result of sling failure, usually slings,
shackles, and spreader bars that have not benefited from an annual formal inspection. And yes, marine cargo insurance should not be optional. btw, diesel locomotives make much less of a splash than one might imagine. (g)