InjuredwhileriskinghislifetosaveanangryGermanshepard,ChicagoFirefighterJackMonikerretiresandmovestoasmallcarribeanislandnamedStNicholasThere,heisbefriendedbytheownerofarundownresort,ErnestReedGreedydevelopersareschemeingtowrestReed'scovetedbeachfrontpropertyfromhimfornonpaymentoftaxesJackcomestoErnest'srescue,andtogethertheyrenovateandreopentheresortcateringtoaffluentAmericansThefilmfollowsthezanyexploitsoftheproprietors,guestsandvariouscolorfulislanddenizans,astheybreakinthenew"ClubParadise"