No insurance covers a botched RAM upgrade.

Not in the way you’re hoping. No insurance company sells a policy that says “If you melt the pads while soldering a new RAM chip onto your motherboard, we’ll pay for a replacement.” That’s just not a thing.

What does exist is general liability insurance for professional repair shops. That covers them if a technician accidentally damages a customer’s device during a standard repair. But even then, most policies have exclusions for “modifications” like adding non-original components (e.g., soldering RAM onto a MacBook that never had it). It’s a high-risk operation, so insurers either charge a fortune or don’t cover it at all.

For a DIY attempt? There’s zero coverage. You’re on the hook for the motherboard and the whole device. If you’re doing this for a client, your only fallback is a written contract that you pay for damage if it goes wrong—and that’s self-insurance, not an actual policy.

So no provider exists. The only real protection is practice, good tools, and never working on a device you can’t afford to replace.