I am looking for a company that covers loss assessment insurance, but the highest coverage I am finding is $10,000. 

Personally I think Home Renovision DIY has the most comprehensive and well made content, but there are hundreds of other good channels out there too.Once you've built up your knowledge and confidence watching videos, the best way to learn is by doing.

Each properties currently has their own homeowners policy + a umbrella policy with a $5M liability coverage.

(Per Unit): 1410, Debt Service Coverage: 1.52, Cash Flow (BT): $122,793.41: ROI YR.1 (BT): 14.97%.

Each property currently has their own homeowner’s policy + a umbrella policy with a $5M liability coverage.

Super comprehensive coverage and easy to work with. 

You will also need Liability coverage. 

Fall back would be annual rentals.Currently (2) 2/1 and (1) 1/1 - 1,903 sqft no pool official triplex home total monthly expenses with management fee 5,710.As a STRInvestment Summary & Cash flow Payback period (years) 6.75Debt Coverage Ratio -0.51Cap Rate 9.40%Cash on Cash Return 14.82%Monthly Cash Flow $1,482 Yearly Cash Flow $17,782As Annual (self manage)Annual Gross Operating Income $57,000.00 Annual Gross Operating Expenses $5,950.00 Annual NOI $51,050.00 Annual Loan Payments $35,934.91 Monthly Cash Flow $1,259.59 Annual Cash Flow Before Tax $15,115.09 Principle Reduction In First Year $5,493.58 Appreciation in First Year $12,000.00 Cap Rate 8.51Cash On Cash Return 12.60 Returns With Principal and Appreciation Added COC Return W/Principle added 17.17%COC Return W/Appreciation added 22.60%COC Return W/Principle + Appreciation 27.17%

I even read somewhere that the additional insured is mainly used for property management companies and, understandably, have MUCH less coverage (as little as 10% of the dwelling) than the actual landlord, who should be the primary insured. 

I am interested in gaining different perspectives on how to hire an office manager and handyman so I can focus more of my time on finding properties.