Commercial Liability Insurance

[Chuck Masters]

I own 2 properties in Florida. One is a long term rental and the other is a vacation rental (short term rental) and I live in Maryland. Each property is currently held in my personal name and each is insured by its own landlord policy. After spending lots of time reading many posts here on BP regarding insurance, I've decided to go with an additional Commercial Liability policy to supplement the landlord policies to cover both properties.

Since the liability insurance is with a different carrier different than the landlord policies I was told I will have to remove the liability insurance from the homeowners policies so the new commercial policy (3 million) will cover any liability.

In general, am I giving up any liability coverage from the landlord policy that may not be covered by the commercial liability policy when I terminate that coverage?

Just trying to make sure I'm not missing something.