InjuredwhileriskinghislifetosaveanangryGermanshepard,ChicagoFirefighterJackMonikerretiresandmovestoasmallcarribeanislandnamedSt.Nicholas.There,heisbefriendedbytheownerofarun-downresort,ErnestReed.GreedydevelopersareschemeingtowrestReed'scovetedbeachfrontpropertyfromhimfornon-paymentoftaxes.JackcomestoErnest'srescue,andtogethertheyrenovateandreopentheresortcateringtoaffluentAmericans.Thefilmfollowsthezanyexploitsoftheproprietors,guestsandvariouscolorfulislanddenizans,astheybreakinthenew"ClubParadise".