District of Columbia insurance laws

What District of Columbia has enacted on insurance, what each law requires, and what the bills still moving would do. District of Columbia is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.

Bills in scope
8bills in scope
Past committee
5past committee
Most recent action
21 October 2026most recent action

Insurance laws enacted in District of Columbia

4 insurance laws enacted in the District of Columbia Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.

  • B 26-0181Short-Term Disability Insurance Benefit Protection Clarification Amendment Act of 2025Enacted 21 October 2026

    What it requires: Insurers may not offset or reduce benefits or income available to an eligible individual under an individual or group temporary or short-term disability insurance policy based on estimated or actual benefits the eligible individual may or does receive under the Universal Paid Leave Amendment Act of 2016, regardless of the jurisdiction in which the policy was issued, executed, written, or delivered.

    Workers' compensation, surety and specialty lines

  • B 26-0057Motor Vehicle Insurance Modernization Act of 2025Enacted 28 August 2026

    What it requires: Insurers selling motor vehicle insurance in the District must include enhanced underinsured motorist coverage in private passenger vehicle liability policies unless the first named insured makes an affirmative written waiver. Insurers must increase mandatory minimum coverage amounts for property damage liability and third-party liability on January 1, 2037 and every 10 years thereafter by specified increments.

    Auto insurance

  • B 26-0426Holding Company System Amendment Act of 2025Enacted 26 June 2026

    What it requires: The ultimate controlling person of every insurer subject to registration must file an annual group capital calculation with the lead state commissioner in accordance with NAIC Group Capital Calculation Instructions. Insurers scoped into the NAIC liquidity stress test framework must file liquidity stress test results with the lead state commissioner. Affiliates providing services integral to insurer operations must consent to jurisdiction in supervision and receivership proceedings.

  • B 26-0022Living Donor Protection Amendment Act of 2025Enacted 18 July 2025

    What it requires: Insurers must not deny coverage, cancel coverage, refuse to issue, determine price or premium for, or vary any term or condition of life insurance, disability insurance, or long-term care insurance policies for individuals based solely on their status as a living donor without actual, unique, and material actuarial risks. This applies to policies delivered or issued for delivery after January 1, 2026.

Insurance in District of Columbia, by topic

Insurance bills in District of Columbia

The bills not yet law, furthest along first, with what each would do.

4Enacted

1Cleared both chambers

1Active in committee

2Introduced or inactive

8 bills in scope

Cleared both chambers

1

B 26-0427Cybersecurity and Accountability Act of 2025Sent to governor

What it would do: Requires insurance licensees in DC to establish comprehensive information security programs, conduct risk assessments, investigate cybersecurity events, and notify the Commissioner within 3 business days of certain cybersecurity events. Establishes penalties up to $1,000 per day, maximum $25,000, for violations.

Active in committee

1

B 26-0588Captive Insurance Company Amendment Act of 2026In committee

What it would do: Amends the Captive Insurance Company Act of 2004 to update requirements for protected cell captive insurers regarding formation, capital, applications, and business operations; establishes inactive captive insurance company status; and creates rulemaking authority for the Commissioner.

Introduced or inactive

2

B 26-0774Dram Shop Clarification and Liquor Liability Insurance Amendment Act of 2026In committee

What it would do: Caps non-economic damages at $500,000 in civil actions for selling alcohol to minors or intoxicated persons, with $50,000 increases every 10 years starting January 1, 2037. Requires the Department of Insurance, Securities and Banking to analyze whether minimum liquor liability insurance requirements would decrease premiums for nightlife establishments.

B 26-0495Condominium Insurance Amendment Act of 2025In committee

What it would do: Amends the Condominium Act of 1976 to require unit owners maintain insurance with specified minimum coverages including $25,000 dwelling coverage and $500,000 liability, and increases the deductible cap that unit owners must pay when damage originates in their unit from $5,000 to $25,000.

Bill titles link to the District of Columbia Legislature's own page.

What LawSignals covers

What counts as insurance legislation

In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.

Questions

Does District of Columbia have an insurance law?

Yes. District of Columbia enacted 4 insurance laws in the 2025 and 2026 sessions, among them B 26-0181, B 26-0057 and B 26-0426. Each is listed on this page with what it requires.

Which insurance bills are moving in District of Columbia?

1 bill not yet law has passed a committee or a chamber, the furthest along B 26-0427 (sent to governor).

What does District of Columbia legislate on most in insurance?

Workers' compensation, surety and specialty lines (2 bills), Licensing, solvency and market conduct (2 bills) and Auto insurance (1 bill).

Are these summaries reviewed by a lawyer?

No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.

Other practice areas in District of Columbia

Insurance legislation in other jurisdictions

52 more currently hold bills in this tracker

Know when District of Columbia's insurance law changes

An alert when a bill moves, and one report a month on what changed in every state and Congress.

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