In recent years, in an environment full of uncertainties in trade policies, the subsequent fluctuations in export demand have brought many difficulties and risks to the production and operation of enterprises. When managers continue to adjust production decisions based on past experience and current demand conditions, they also place corporate employees in a work environment full of uncertainties, which in turn will bring many negative impacts on the production and operation of the company , Which leads companies to adjust their insurance investment decisions. What is the relationship between the demand fluctuation and the insurance investment of export enterprises, and how demand fluctuation affects the behavior of enterprise employees and then counteracts the insurance investment of the enterprise is the focus of this article. This paper constructs an intermediate index of labor-capital matching degree. Through empirical research, it is found that when demand fluctuates greatly, the labor-capital matching degree of a company will decrease, which in turn will cause companies to make a decision to increase property insurance investment in order to avoid the potential loss risks external instability of the environment brings to enterprise assets and equipment.