Hello and thank you for allowing me the opportunity to assist you.
Unfortunately, there is some truth to the notion that he could be liable for you or your conduct even while separated. For example, while you remain married, your husband's assets which are now considered community property
would continue to be community property. If you were to do something for which another person may have reason to sue you, then the community property can be seized to pay for the damage. Moreover, if you were to require medical attention or other necessities while married, then your husband could be forced to pay since spouses are generally required to pay for such things even when separated.
In order to convince your husband to remain married but separated, you may wish to offer to sign an agreement whereby you contractually agree to pay for any such expenses if he should be held liable. You could also agree to put the money into a trust so that if you were to do something to cause your husband liability, then that money could be immediately taken from you to reimburse your husband. That would provide your husband with security during the separation, and the trust could automatically expire upon the divorce.
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