An insurance premium for the town of Bethel is being reduced and the town's insurance company is giving Bethel more than $72,900.  Officials say the check is from the equity distribution program offered through Connecticut Interlocal Risk Management Agency, the town’s property, liability and workers compensation insurance carrier.  The town's worker’s compensation premium for this year has been reduced by 5-percent, a nearly $46,000 savings in the budget.  First Selectman Matt Knickerbocker says the lower premium stems from the town’s risk management program, which started last year. The program includes efforts to teach employees about cybersecurity and requires department heads to participate in safety training seminars.