Covering for her father while he takes a much–needed vacation, Dr. Morgan Kelly thinks she's ready for anything until she has to play nursemaid to Ethan Grace. Even though the handsome developer looks relatively harmless with a broken leg, he still acts too much like Bartholomew Grace, the infamous pirate in his family tree.

But even before Morgan discovers he's bulldozing Shelter Island's only medical clinic and her home to build a luxury bed–and–breakfast, it's too late. She's already fallen for the hard–nosed millionaire. Now her job is to show him why, when there's a choice between business and happiness, business should never> come first!