What is the fine-grained topic of the following text: Steve Beshear has sent a letter to the state-created Kentucky Employers' Mutual Insurance urging it to use some of its $147 million surplus, as of Sept. 30, to reduce premiums or issue a dividend to the businesses it serves. Only return the topic.
Steve Beshear urging Kentucky Employers' Mutual Insurance to use surplus funds to reduce premiums or issue dividends.