On one of my builds I found a bunch of grass blades and a few dead mosquitos UNDER the fiberglass on the bottom of the hull.  Good thing I was planning to paint instead of varnish!  I heard one story of a builder whose cat just had to come in and shed all over the final coat of varnish.  

My paint job 2 weeks ago ended up with some cat hair, a beard hair, 2 mosquitoes, 3 moths (including one which landed, crawled across 6 inches or so of the bottom leaving prints and scattering wing scales before finally collapsing in the paint) and a junebug.

The moral of the story, as far as the bugs were concerned, seemed to be don't paint at night.

Laszlo