diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
index 342ad067b..48ba6f032 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
@@ -4806,8 +4806,10 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
                 .settleAmount(BigDecimal.ZERO)
                 .startType(dto.getStartType())
                 .build();
-        if (dto.getInsuranceAmount().compareTo(BigDecimal.ZERO) > 0) {
-            orderBasicInfo.setInsuranceAmount(dto.getInsuranceAmount());
+        if (dto.getInsuranceAmount() != null) {
+            if (dto.getInsuranceAmount().compareTo(BigDecimal.ZERO) > 0) {
+                orderBasicInfo.setInsuranceAmount(dto.getInsuranceAmount());
+            }
         }
         if (StringUtils.equals(OrderTypeEnum.MERGE_CHARGE_ORDER.getValue(), dto.getOrderType())) {
             // 并充订单