I have a Mumz hat (purchased at REI) that has a bill and a wrap around fabric that hangs over your ears and shields the back of my neck. It has also been treated with Buzz Off to supposedly keep insects away. As others have stated though, the sun reflecting off the water will still burn your face if you don't sunscreen. Simms makes a similar style hat. I really like them as it does provide some protection and keeps the wind off the sides of my head--a real plus in the winter.