 Basically, I'm working to pay my insurance. That's Todd Hein, owner of Hein Environmental Service, a small waste service business in Sulphur. Hein met with Insurance Commissioner Tim Temple after his payments went from $300,000 to over a million, which he was able to negotiate down. Hein says Temple told him insurance relief will come from tort reform legislation from the Capitol if it ever does come. That was kind of disheartening because now we have to wait at least another year.