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supplemental spousal liability insurance is not a new insurance coverage but effective August 1st of 2023 New York state passed a law requiring all auto insurers to automatically add and include this coverage to your auto insurance policy this means both your personal auto insurance policy and your business insurance policy now what is supplemental spousal liability supplemental spousal liability is going to give you protection Financial Security in the event you or your spouse causes an auto accident that injures you or your spouse whoever the passenger is itamp;#39;s going to allow the injured passenger to Injured passenger spouse to you know sue their own spouse their own insurance company for pain and suffering and compensation this new coverage was automatically uh added to your insurance policy or will be automatically added to your insurance policy at your next renewal after the August 1st 2023 date if you make any uh premium changing endorsements like vehicle changes or things