Ben Madigan (Tom Long) has just started a new job as an insurance adjuster with the sweet but naive hope of helping people. Once there, however, he comes under the direction of a jaded John Kreisky who uses Ben's innocence to his advantage, enlisting the young man in an "experiment". What seems at first like a simple plan to save the company money turns out to be an elaborate scam intended to defraud it. In on the action is Kreisky's beautiful girlfriend Louise, a shady lawyer who supplies him with fraudulent cases. Ultimately, Ben is trapped between his desire to do good and his desire for the sexy Louise. Caught in her web of deceit, he spirals deeper and deeperinto the world of insurance scams, events spin out of control, and Ben's two worlds threaten to collide.