What it means
To rock the boat means to stir up a situation people would rather keep smooth, even if that so-called peace is held together with tape and fake smiles. You use it when someone questions the plan, points out what's off, or refuses to just nod along and keep things comfy.
Usage examples
"I wanted to call out the dodgy rota, but I kept schtum. Didn’t fancy rocking the boat and having the manager on my case all week."
"Everyone was happy with the plan, so I did not want to rock the boat."
"She rocked the boat by questioning how the budget was really spent."
"I know payroll's been a mess, but every time someone brings it up, Steve acts like we're rocking the boat for no reason."
"She proper rocked the boat at dinner by asking why her brother never pays for anything and suddenly nobody could look at their plate straight."
Where it comes from
It comes from the literal idea that if someone moves about too much in a small boat, the whole thing starts wobbling and risks tipping. That image was being used figuratively in English by the late 1800s for upsetting a settled situation and causing unwanted disruption.