Being swept overboard by a wave, falling overboard while managing the boat in weather, falling overboard for any other reason, storms, lightning, running aground, being struck by another ship, striking another floating object such as a lost cargo container, being shipwrecked and in a lifeboat but without appropriate location equipment, drowning at any time including at anchor or docked. Any kind of a medical emergency that incapacitates you such that you can not call for help, or manage the boat. Failing to wear a PFD (personal floatation device) for any reason at any time. Failing to be hooked into a lifeline / harness system. Failure to have “appropriate” safety equipment on board, failure to deploy such equipment when necessary, failure of the equipment to work when needed due to poor maintenance or any other reason. Failure to plan around the weather, or to plan a trip based on the time of year. Failure to take correct actions when sailing through a storm or other challenging sea condition.