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When your fishing buddy has so drunk on overproof Rum that you are scared you will find him floating face down if you don't keep an eye on him.
He drank that entire bottle of 150 proof rum on the boat. Better make sure he keeps his life jacket on we don't want a Rum Floater.
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When you got the beer shits real bad, and a big turd floats to the top of the toilet bowl. That's a rum floater.
The bartender at the pool wanted to know if I wanted a "rum floater" in my Pina Colada, but I had the beer shits real bad and already had a rum floater in the shitter just this morning.