[Rinty]

Guy:

I don't think your wife is at risk here, but if she is worrying about it, you could check your house or apartment insurance policy and look for a personal liability floater rider.

This insures your family members, and possibly others, for liability arising out of an act or omission which occurs on or off your property, not related to the operation of a motor vehicle.

If your policy is hard to read, just call your insurance agent.