K.A.R.L® - Köln.Assekuranz Risiko Lösungen

Please note that no K.A.R.L. queries will be possible on Friday, April 24, 2026, from 3:00 PM to 4:00 PM due to a routine server update. Thank you for your understanding.
We are pleased to announce that we no longer differentiate between residential and commercial properties in our pricing. The prices for commercial properties have been aligned with those for residential properties, making them significantly more affordable for you. As a result, the price for the OnePager (Residential) will be slightly increased.

K.A.R.L.® supports the worldwide identification, calculation and quantification of risks caused by natural hazards. It is based on the natural hazard analysis tool K.A.R.L.®, developed and continuously optimized by experienced geoscientists.

With the help of K.A.R.L.®, you can calculate specific risks from natural hazards for your property. Different building types are taken into account in K.A.R.L.® through specific vulnerability curves that describe a building's sensitivity to natural hazards.

To determine the risk posed by natural hazards for your property, only the exact geographic coordinates or the address of the property and the building type are required. In addition, K.A.R.L.-Taxo can be used to analyze and classify the risks from natural hazards under changing climatic conditions, taking different climate scenarios into account.

The results of the analyses are provided to you either in the form of a clear short report (OnePager) or a detailed long report (ProReport).

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