Sadly, smaller boats are exempt from most maritime safety regulations that keep larger ships at a tolerable level of safety.
Maybe... to some degree. I have dove off everything from WWII inflatable surplus life rafts to advanced DSVs (Diving Support Vessels) in the North Sea. They all have very different risks associated with them. There were 46 total commercial cargo ship losses around the world in 2018 with 2,698 reported incidents. This does not count losses of smaller vessels used in the fishing and the offshore oil industries.
Bad things happen at sea even when everyone is vigilant.