Okay here is another simple idea that I will never get around too

http://www.cnn.com/2009/US/03/03/missing.boaters/index.html

Okay it would be very easy to create 'capsise' airbags, when the boat rolls over a certain angle on either side, the corrisponding airbag deploys...they could be easily retrofitted, cheap, and the insurance companies could lower premiums because of them....

Its yours, I just want 10% ;-)