Generally we fish outside of the thick algae that you're seeing on the news casts, however, I've never heard of it being dangerous to fish through the algae.

I don't know of a charter captain who wouldn't hunt for clean water for paying customers, but I suppose it's possible depending on the conditions.

Personally, I get out to clean water to fish. I haven't fished through the thick algae yet, and I don't plan on it in the future.