This is a listing of some of the tiny critters that you might find. I'm not including all the invisible biting nasties that you find around the water. That's what bug spray is for. Above is the horrible Greenhead fly - the bane of New Jersey summers. When one of these bites you, you know it.
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Dragonflies
Dragonflies are aerial predators with a strong liking for water, so you are very likely to get 'buzzed' while out kayaking. They are harmless to humans. Dragonfly larvae are fully aquatic little nightmares. There are many kinds of dragonflies in the region, too many to list.
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Orbweavers
If you are trying to escape the sun in the shade of overhanging tree branches, you are inevitably going to get spiders in the boat. These are almost entirely harmless orbweavers - they are not aggressive and don't bite, and are not poisonous to humans, at least no more poisonous than a honey bee. That said, our brains are programmed at the most basic level to fear spiders, and I don't like them any more than anyone else. Just calmly knock it out of the boat.
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Whirligig Beetle
Whirligig Beetles are typically found in groups making crazy circles at the surface, although they are also capable of diving and flying. These are 'true beetles', not bugs. They are harmless scavengers.
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These are small birds that are often seen over water. They both feed on flying insects, which they catch on the wing, and over water seems to be a good place to do that. At night, these birds are replaced by bats, doing the same thing. You are unlikely to get a good look at any of these, as they are all very fast and agile fliers.
Chimney Swift
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