Masterworks provides insurance built-in to the annual management fees on the platform — you’ll have no trouble collecting insurance benefits if their storage facilities are damaged, destroyed, or seized for any reason as the wines belong to you and are insured for you and cannot be seized in the case of bankruptcy (on the part of Masterworks) or other issues. Non-invested funds with Masterworks are also insured with FDIC insurance automatically, so you don’t need to worry about it either -- well for Americans they're held in an FDIC insured account, for international investors it's unclear.