Contractor Requirements

Contractor Requirements

  • There are no registration fees
  • All contractor requirements must be submitted before a permit will be issued.

If you have additional questions, please call 630-377-4406.  Contractor requirements can be emailed to permits@stcharlesil.gov or mailed to 2 E Main St.

Updated requirements starting January 1, 2025- the following contractor requirements are required to be submitted for permit:

General Contractors

All contractors shall file with the City, prior to the issuance of a building permit, a Certificate of Insurance with coverages as follows:

  • Public liability insurance for one person in the sum of $100,000 and for one accident in the sum of $300,000 or a combined single limit of $300,000
  • Property damage insurance in the amount of $50,000 limited to not less than $10,000 for each accident.

Work in City Right of Way/Public Property

  • Commercial general liability insurance with limits not less than:
    • $1,000,000 each occurrence
    • $2,000,000 general aggregate
    • $2,000,000 umbrella
  • Automobile liability limit not less than $1,000,000
  • Worker's compensation within statutory limits and employer’s liability limit not less than $1,000,000
  • List the City of St. Charles as the certificate holder

Plumbing Contractors

  • Plumbing contractors must be licensed in accordance with State statutes (055 license)
  • Provide a copy of the plumber's photo ID license

Electrical Contractors

  • Surety company bond payable to the City in the penal sum of $10,000
  • Electrical contractors must be licensed in a municipality in Illinois and provide evidence that such license is in good standing

Blacktop, Concrete, & Paver Brick Contractors

  • Insurance - same as requirements for general contractors
  • Surety company bond payable to the City in the penal sum of $10,000

Roofing Contractors

  • Roofing contractors must be licensed by the State of Illinois and provide evidence that such license is in good standing

Water & Sewer Contractors

  • Insurance - same as requirements for general contractors
  • Surety company bond payable to the City in the penal sum of $10,000

Excavator

  • Excavators are typically covered under the general contractor except when they are applying for the permit (e.g. in ground pool):
  • Insurance - same as requirements for general contractors
  • Surety company bond payable to the City in the penal sum of $10,000

HVAC

  • HVAC contractors are typically covered under the General Contractor except when they are applying for the permit (e.g. furnace):
  • Insurance - same as requirements for general contractors
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