New Jersey § 2a:22a-2

§ 2a:22a-2.

The Legislature finds and declares that licensed alcoholic beverage servers face great

difficulty in obtaining liability insurance coverage. Even when insurance coverage is available, drastic increases in the cost of that

insurance have recently taken place, and many licensed alcoholic beverage servers

are no longer able to afford liability insurance coverage. This lack of insurance adversely affects not only the licensed alcoholic beverage

servers themselves, but also patrons and third persons who suffer personal injury

and property damage as a result of the negligent service of alcoholic beverages by

a licensed alcoholic beverage server. In order to make it economically feasible for insurance companies to provide coverage,

the incidence of liability should be more predictable. That predictability may be achieved by defining the limits of the civil liability

of licensed alcoholic beverage servers in order to encourage the development and implementation

of risk reduction techniques. This act has been designed to protect the rights of persons who suffer loss as a result

of the negligent service of alcoholic beverages by a licensed alcoholic beverage server

while at the same time providing a balanced and reasonable procedure for allocating

responsibility for such losses. It is anticipated that this act may result in the improvement of the alcoholic beverage

liability insurance market in this State.