I'm having an "uh-oh" moment. The situation is: 100 or so 120V fan coils within closets in a college dorm...each has its own hp-rated toggle disconnect, and integral thermal overload protection. There are 1/4, 1/5, and 1/8 hp units. I am giving each of them a dedicated circuit, protected by a 20A breaker. Does the overload protection matter or is this a violation of the 250% rule (permanent, automatically-started)? Do I need to go back and change all of those circuit breakers to 10 and 15 amps? If I'm doing it wrong, I'd rather not do it wrong 100 times. 