This article is a good read (albeit it starts off recounting some very tragic events) about the danger of
Electric Shock Drowning and the hazards of AC leakage into water, particularly fresh water.
http://www.boatus.com/seaworthy/magazine/2013/july/electric-shock-drowning-explained.asp
The owner of the facility where I work bought a 60' yacht, and a routine survey by the marina's harbormaster discovered that it was leaking a considerable amount of current from the 240V shore power connection into the water, on the order of 1.5 to 2A. If his grandchildren went swimming off this boat, they very likely would have died!
We hired a marine electrician who specializes in this type of fault, and he and I installed an isolation transformer into the yacht to make it safe. I find it baffling that there isn't some regulatory requirement to have these in all boats capable of shore power connection. Here are some photos of the installation for those interested...
This is the frame I fabricated for suspending the isolation transformer from joists within the bow hold:
This is the isolation transformer mounted in the frame. The transformer weighs over 250 lbs! Note that the transformer is electrically isolated from the frame by plastic spacers & bushings:
These are the ELCI breakers for each of the two shore power connections (120V/30A & 208V-240V/50A):
This is the transformer input selector and the volt-amp-meters/alarms for input and output: