Analysis of Natural Hazards

K.A.R.L.® (Köln.Assekuranz Risiko Lösungen)

Storms, floods, heavy rain, hailstorms - the effects of global climate change are becoming increasingly drastic. In addition, there are rare, but extremely ruinous events such as earthquakes, tsunamis or volcanic eruptions.

This is accompanied by:

  • a rapidly growing international trade in goods
  • branch offices of globally operating companies in almost every corner of the world
  • increasing values of goods stored in ports and operating premises.

All this results in a steady growth of potential targets for natural hazards which strike with - in some cases - existential-threatening consequences.
In particular the security of global supply chains plays a decisive role here: if a supplier fails, the production stands still; possibly even for extended periods of time.

We are committed to recognizing such risks at an early stage, to be able to classify them economically and to draw the right conclusions from them.

Our Unique Features

The combination

  • of the K.A.R.L.® System (Köln.Assekuranz Risiko Lösungen) developed by the Köln.Assekuranz Agentur, with which natural risks can be tracked, analyzed and quantified on a global scale
  • and the expertise of experienced geoscientists

enables us to provide comprehensive, specific and personal advice to customers.


K.A.R.L.® System

With K.A.R.L.® natural risks can be identified, analyzed, and quantified on a worldwide scale. › More.

Expert Team

The know-how of experts is still crucial for complex questions. Who is behind K.A.R.L.®? You can find our expert team › here.

Our Services

Single Location Analysis

You are planning a new production site, branches or additional storage areas? › More.

K.A.R.L.® Insights

In our newsletters we write about fascinating natural phenomenas. To get to our K.A.R.L.® Insights or to subscribe to our newsletter please click › here.


Climate Change Adaptation in accordance with EU-Taxonomy – K.A.R.L.® provides a solution! › More

Portfolio Analysis

Your company includes a portfolio of several production sites, a variety of branches or storage areas spread across the globe? › More.

K.A.R.L.® Reports

In order to give you an insight into the results of a K.A.R.L.® analysis, we have analysed some European sights as examples. › More

Expert Analysis

In cases of complex issues the know-how of our expert team is very important. › More.

German Podcast K.A.R.L.®

Der Podcast "Industrieversicherung Digital" Folge #25: Digitale Analyse von Naturrisiken mit K.A.R.L.®. Das Gespräch zwischen Dr. Leo Paus und Ansgar Knipschild finden Sie › hier

Our Technichal Updates


K.A.R.L.® version 5.0 (Release 04/2022)

Progress knows no pause and accumulated experience is waiting to be put into practice. We are therefore pleased to present our new K.A.R.L. version. The biggest change in this release is the fundamental technical revision of K.A.R.L. with the translation into a new programming language. In addition, the tornado model integrated in K.A.R.L. has been fundamentally revised and the earthquake and tsunami databases have been updated. Another new feature in K.A.R.L. is the separation of the protection goals for flooding and storm surge.

K.A.R.L.® Release: Short Summary

K.A.R.L.® Release: technical revision - tornado - protection goals (Issue 04/2022)



K.A.R.L.® Release: heavy rainfall - hail model - climate data (Issue 01/2019)



Your Contact Person

Matthias Müller


Head of Risk Service, K.A.R.L.®