True, given that the electrical problem might be in your own boat, or in someone else boat, or on some land-based equipment. In fact, one of the characteristics of these situations is that the owner of the boat causing the problem might never become aware that their boat was the culprit.
Guys, I actually know a lot about how this happens having worked closely with David Rifkin, who provided the technical information for this MSNBC article just published today:
http://usnews.msnbc.msn.com/_news/2...ible-killer-electrical-shock-to-swimmers?lite
Basically, it only takes about 2 volts per foot gradient in water to paralyze a swimmer, and that quickly leads to a drowning death. If you extend your hands out 5 feet, then the 10 volts from finger tip to finger tip can exceed 10 mA current through your body, which is enough to cause paralysis. This is why you can be shocked unconscious in the water even if you're not directly touching a conduit or electrical box with a hot-skin condition on a boat dock. This gradient field produced shock potential is mostly a freshwater problem and can extend out dozens feet from a dock or boat hooked to shore power. Under proper freshwater conductivity conditions a 120 volt potential hot-skin on a dock or boat could reach out 60 feet and still meet the 2 volt per foot gradient where a swimmer can be paralyzed and drown.
Since salt water is highly conductive, any hot-skin voltages will quickly be "grounded" via the low resistance of the water, thus the volts per foot gradient is too low to paralyze you. However, you can still receive a deadly shock while reaching up from the saltwater and touching an outlet box or boat that's hot-skin due to a wiring problem, but it's unlikely you'll be shocked out in the salt water itself.
I'm now conducting experiments with David Rifkin to determine if a NCVT like a Extech DV50 will indicate a gradient voltage in the water beneath you while standing on a wood dock or in a boat hooked to shore power. Stay tuned for more info in a few weeks.
In the meantime, if any of you would like to confer directly with Dave Rifkin about how this all works or specific water shock situations you've witnessed, (he's the expert on it) PM me and I'll hook you up with him.