Her leg got caught in the rope and she was flipped into the lake.
In a media statement, Maritime NZ Southern compliance manager Domonic Venz said instead of killing the boat's engine and pulling the girl back onboard, Deasy reversed.
The victim's leg was caught in the propeller, and she suffered serious lacerations to both legs.
She was unable to walk for months.
Venz said that before leaving shore, Deasy had prioritised safety for everyone on board, checking there were life jackets and having a briefing with the children explaining safety matters.
However, understanding the risks and turning the boat off would have avoided the accident.
"In high-pressure situations, it is critical skippers understand how to avoid situations that can put themselves, their passengers or others at risk.''