Zoe Busiek is a former Las Vegas blackjack dealer whose life takes an unexpected turn when her sister dies in a car accident and she has to take care of her sister's three children, teenaged Taylor, preteen Cliff, and little kid Hannah. When the insurance company denies the family a financial settlement Zoe takes matters into her own hands, which leads her to a new career as an insurance fraud investigator with handsome former criminal Dan Lennox and serious but sweet Sophia Mason becoming her partners.