Originally posted by Rooky:

This happens no matter where we sail its 100% not a monster or worms, otherwise it would also occur when playing local.

It's a bug, everyone else I play with can sail with zero issues, the moment I get on the boat and it start taking continuous damage 10 points at a time, already almost killed me twice. Sucks, everyone else is out sailing meanwhile I have to run/swim everywhere like a pleb.