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Businesses and Homeowners Associations Should Prevent Alligator Attacks

Orlando, Fla.—As much as we love our relaxed living in Florida with our wonderful weather, and many outdoor activities and amenities to enjoy virtually throughout the entire year, there is on thing every Floridian might be cautious about: alligators.

This is a problem that impacts the entire state, and so far in 2022 have occurred more than usual, despite of being considered rare events. As a matter of fact, state history data reveals an average of one fatal alligator attack every three years. Some experts believe that human population growth combined with construction on swamps could be pushing more alligators out of their habitats and into ponds and canals where they can eventually interact with humans.


As a property owner you could be liable for a wildlife attack, depending on the circumstances, but if you are deemed negligent. It also varies based on the severity of the injury or if it results in a loss of life.

This is where insurance comes into play, and why it’s so important that you as a homeowner, or business owner are well covered to deal with the consequences of these situations.

HOW TO PROTECT yourself and your business against loss

For businesses, the costs associated with lawsuits related to these events — from legal defense to potential settlements, can be covered by Commercial General Liability Insurance.

This type of insurance is designed to cover third party bodily injury and property damage. Commercial property owners in high risk areas need to check their insurance exclusions related to animal liability.

Excess Liability Insurance is another way to protect yourself and your assets, because this type of coverage can provide higher liability limits particularly when dealing with large losses beyond what your primary insurance can cover. Excess liability insurance is coverage provided for the big, unexpected events that can have potentially catastrophic results on your business – from auto accidents to products liability claims, and others.

Homeowners Associations of communities with lakes, ponds, pools, clubhouses, tennis courts and other facilities, must consider the risk of third-party bodily injuries, including the risk of an alligator incident in higher-risk regions.

Directors & Officers Insurance is insurance coverage intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization. It can also cover the legal fees and other costs the organization may incur as a result of such a suit. This type of insurance can respond to lawsuits against board members of a homeowners association alleging negligence in their roles, responsibilities and decisions. 

Safety and education play the most important role, especially when you are aware of areas that may pose a public risk. It must be part of your due diligence when running a business.

Let your local insurance specialists at Orlando Insurance Center help you save in the purchase of insurance bundles.  Give us a call today at (407) 680-1214— for an initial consultation and quotes from among 20 different insurance carriers who support us!

Marianne Elbeick



"Email me" <marianne [at] buscandoseguro [dot] com>