If you should capsize it may be safer to stay with the floating boat than try to swim to shore. A low freeboard increases the possibility of swamping the boat or taking on water which will slow the boat even more. Don't overload your boat with passengers or equipment. Improper weight distribution can make the boat even more unstable. You must locate persons and equipment in order to balance the boat and keep water out.
Waves can be a major factor in capsizing especially if they are unexpected.
Anticipate all waves and aim the bow into them. Should your boat capsize, take a head count to make sure everyone is there, check for injuries and stay with the boat. Only swim for shore if you know that you will make it easily. If you have any doubt stay with the boat. If you can, turn the boat upright and bail it out.