The somewhat flirtatious, ever charming Daniel 'Dan' Collins, who has criminal connections from his past, investigates as an insurance investigator (effectively as private detective) crimes which (can) cost the insurance company a fortune in extant and/or future damage claims it hopes to pass on to the criminals or avoid altogether as poisoned fruit. His less experienced partner, Zoe Busick, gave up her job in Las Vegas as blackjack dealer when her sister died in a car accident, so she could raise her teenage nieces Taylor and Hannah and nephew Clifford "Cliff" Woodall in Chicago.