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AI Risk Report | October 2026

AI Risk, Insurability, and the MSP Channel

SMBs have adopted AI. Insurers are excluding it. MSPs are the ones in the middle. Here’s how to turn that position into your biggest opportunity yet.

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97% of SMBs report using AI, but only 25% have integrated it strategically or budgeted for it. Insurers are responding with broad AI exclusions or leaving policies silent, which means coverage gets decided after a claim is filed.

This report, the first since SPECTRA launched its Insurable AI framework, explains what that means for MSPs and their clients, and what the leading MSPs are already doing about it.

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“We're not really deploying Claude, we're policing Claude.”

Greenlight Cyber, SPECTRA Insurable AI pilot participant

97%

of SMBs report having adopted AI

25%

of MSPs have integrated AI strategically or allocated a budget for it.

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