What happens if a spectator accidentally falls on a piece of art and damages it?
Will he have to compensate for the restoration process, or does insurance cover such accidents?
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Insurance covers that. But the insurance company, having covered the costs of restoration, will want to cover its own costs – and then compensation for damage from the culprit in court (at least partially), I think, is quite likely.
(I am not familiar with this practice – there was no reason).