Supplemental Spousal Liability Insurance

Effective August 1, 2023, Insurance Law § 3420(g) requires an insurer issuing or delivering a policy that satisfies Vehicle and Traffic Law Article 6 to provide supplemental spousal liability insurance, unless the named insured elects, in writing, and in such form as the Superintendent of Financial Services determines, to decline and refuse such insurance in the insured’s policy.

The Department has created a declination form, which is available below.  An insurer may put this form on its letterhead or otherwise upload it to its system.

Declination Form (PDF)