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Insurance agent Justin Case thought his biggest risk was a coffee shortage on his Pelican Bay balcony. That was before a jazz musician collapsed on stage at the local brewpub, taking his priceless antique piccolo with him to the grave, literally. When the golden instrument vanishes during the chaos, Justin discovers there's more than meets the eye in this deadly performance. The piccolo isn't just worth a fortune; it holds century-old secrets from the Prohibition era that someone is willing to kill for. With his sharp-eyed girlfriend Sandi Beech by his side, Justin must navigate a symphony of suspects: jealous musicians, shady pawn dealers, and desperate treasure hunters, all playing their own dangerous tune. As the investigation deepens, so does the romance between Justin and Sandi. Between dodging break-ins, decoding clues, and trying to protect the woman he loves, Justin learns that some risks aren't covered by any policy. In Pelican Bay, where the music never stops and secrets run deeper than the harbor, one wrong note could be fatal. Can Justin orchestrate a solution before the killer strikes again? Or will this case prove that even the best insurance agent can't always protect what matters most? When the stakes are this high, playing it safe isn't an option.