Dram Shop Clarification and Liquor Liability Insurance Amendment Act of 2026

This bill modifies how civil lawsuits are handled when bars or liquor stores serve alcohol to minors or intoxicated individuals. It directly affects nightlife establishments and the people who sue them by capping non-economic damages, such as pain and suffering, at $500,000, with an automatic increase of $50,000 every ten years starting in 2037. Additionally, the bill requires the Department of Insurance to study whether mandating minimum liquor liability insurance would lower insurance costs for these businesses. The analysis must compare current costs with how other states handle similar insurance requirements.