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On a private yacht at sunset, "florida surplus lines" features a tanned heiress in diamonds and nothing else. She lounges on the deck, spreading caviar across her pussy like an aphrodisiac. "florida surplus lines" zooms as she uses a mother-of-pearl spoon to scoop the eggs and her arousal, eating the mix with a moan. A champagne bottle neck slides in next, bubbles fizzing inside her. "Toast to my cunt," she laughs, fucking herself with the bottle while the yacht rocks. "florida surplus lines" climaxes with a champagne squirt spraying the teak deck. She licks the rail clean, jewels sparkling. "florida surplus lines" delivers legal luxury erotica, opulent and obscenely explicit.