Larry Gigli (BEN AFFLECK) is a "contractor" who works for a local criminal, Louis (LENNY VENITO). His latest assignment is to kidnap an autistic young man, Brian (JUSTIN BARTHA), from his group home. That's because Louis' criminal associate, Starkman (AL PACINO), is under investigation by a federal prosecutor whose brother just so happens to be Brian, and Louis figures the hostage situation might make the feds back off.
Thus, Larry convinces Brian to come with him and they head back to his place where they run into Ricki (JENNIFER LOPEZ). She states that Louis has hired her to make sure Larry does his job and soon the two are babysitting Brian who's obsessed with going to the beach to see the stars of "Baywatch."
Since Ricki is so alluring, Larry tries to hit on her, but quickly learns that she's a lesbian. That doesn't deter him, however, from continuing to pursue and trying to convince her to have sex with him. As their repartee proceeds, they eventually grow fond of Brian, thus potentially endangering their employment and lives, as they must then deal with both Louis and Starkman.