A paddle boarder who falls is a swimmer and may be distanced from the PB. At that point s/he may be swimming near docks, where, beyond common sense, it is just not allowed. It's like going hiking on a NH mountain; if ill-prepared, you are libel to the state for rescue expenses. Right of way for non-powered vessels notwithstanding, if you're stupid and get hurt, it doesn't matter who is paying the hospital bills, you were still stupid.
Years after the accident, while you are still waiting for the court settlement I hope you will be saying to yourself. "Boy, was I stupid. Bad place to be paddle boarding."
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