A birthday excursion turns deadly when the SS Eastland capsizes with Olive Pierce and her best friend Claire on board. Hundreds perish during the accident, and it's only when Olive herself barely escapes that she discovers her friend is among the victims.

In the aftermath of the tragedy, Olive returns to her work at an insurance agency and is soon caught up in the countless investigations related to the accident. But with so many missing, there are few open-and-shut cases, and she tries to balance her grief with the hard work of finding the truth. Is she just overwhelmed, or is someone trying to impede her investigations? When clues surface that impact those closest to her, how deep will she dig?

Newspaper photographer Erik Magnussen begins helping Olive with her cases, and they develop a fast friendship. Just when Olive begins to unravel the secrets, more setbacks arise. It will take everything she's got to find the truth and stay ahead of those who want to sabotage her progress.