Incorporating spatial information, particularly those influenced by climate, weather, and demographic factors, is crucial for improving underwriting precision and enhancing risk management in insurance. However, spatial data are often unstructured, high-dimensional, and difficult to integrate into predictive models. Embedding methods are needed to convert spatial data into meaningful representations for modelling tasks. We propose a novel multi-view contrastive learning framework for generating spatial embeddings that combine information from multiple spatial data sources. To train the model, we construct a spatial dataset that merges satellite imagery and OpenStreetMap features across Europe. The framework aligns these spatial views with coordinate-based encodings, producing low-dimensional embeddings that capture both spatial structure and contextual similarity. Once trained, the model generates embeddings directly from latitude-longitude pairs, enabling any dataset with coordinates to be enriched with meaningful spatial features without requiring access to the original spatial inputs. In a case study on French real estate prices, we compare models trained on raw coordinates against those using our spatial embeddings as inputs. The embeddings consistently improve predictive accuracy across generalised linear, additive, and boosting models, while providing interpretable spatial effects and demonstrating transferability to unseen regions.

The insurance company uses different factors to classify the policyholders. In this study, we apply several machine learning models such as nearest neighbour and logistic regression to the Actuarial Challenge dataset used by Qazvini (2019) to classify liability insurance policies into two groups: 1 - policies with claims and 2 - policies without claims. The applications of Machine Learning (ML) models and Artificial Intelligence (AI) in areas such as medical diagnosis, economics, banking, fraud detection, agriculture, etc, have been known for quite a number of years. ML models have changed these industries remarkably. However, despite their high predictive power and their capability to identify nonlinear transformations and interactions between variables, they are slowly being introduced into the insurance industry and actuarial fields.

While Knowledge Graph Completion (KGC) on static facts is a matured field, Temporal Knowledge Graph Completion (TKGC), that incorporates validity time into static facts is still in its nascent stage. The KGC methods fall into multiple categories including embedding-based, rule-based, GNN-based, pretrained Language Model based approaches. However, such dimensions have not been explored in TKG. To that end, we propose a novel temporal neuro-symbolic model, NeuSTIP, that performs link prediction and time interval prediction in a TKG. NeuSTIP learns temporal rules in the presence of the Allen predicates that ensure the temporal consistency between neighboring predicates in a given rule. We further design a unique scoring function that evaluates the confidence of the candidate answers while performing link prediction and time interval prediction by utilizing the learned rules. Our empirical evaluation on two time interval based TKGC datasets suggests that our model outperforms state-of-the-art models for both link prediction and the time interval prediction task.