How to Get a City of St. Charles Illinois Water & Sewer Contractor Bond
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If you’re planning to work as a Water & Sewer contractor in the City of St. Charles, Illinois, you are required to obtain a $10,000 surety bond before performing any work requiring a city permit. St. Charles lists Water & Sewer contractors among the trades that must file a surety company bond payable to the city in the penal sum of $10,000.
This bond protects the city, property owners, and the public by ensuring contractors comply with municipal codes, follow safety standards, and complete work according to approved specifications.
What Is a St. Charles Water & Sewer Contractor Bond?
A Water & Sewer contractor bond is a financial guarantee between:
The contractor (principal)
The City of St. Charles (obligee)
A surety company (issuer)
It assures that work involving water or sewer lines will be completed safely, legally, and professionally. The bond helps cover damages if the contractor violates codes, fails to complete work, or causes harm through improper installation. St. Charles requires this bond as part of legal compliance for contractors operating within the city.
Who Needs This Bond?
According to the City of St. Charles contractor requirements, the following contractors must submit a $10,000 surety bond:
Water & Sewer contractors
Electrical contractors
Blacktop, concrete, paver‑brick contractors
Excavators (when acting independently)
How to Get a City of St. Charles Water & Sewer Contractor Bond
1. Review City Requirements
Water & Sewer contractors must provide a $10,000 surety bond, certificate of insurance, and any required documentation prior to receiving a building permit.
2. Obtain the Required Insurance
St. Charles requires:
General liability insurance
Workers’ compensation
City of St. Charles listed as certificate holder
3. Apply for the Bond Through a Surety Provider
A surety company will require you to:
Complete a short application
Provide business or financial information
Pay a premium (typically a small percentage of $10,000)
Approval is often fast, making the bond easy to obtain.
4. Submit the Bond to the City
Send your bond and insurance documents to:permits@stcharlesil.gov or deliver them to the Building Division. No permits will be issued until these are on file.
5. Renew Annually
Contractor bonds and insurance must be updated yearly to stay in compliance with St. Charles permitting rules.
Get Your Contractor Bond Through Wexford Insurance
Wexford Insurance offers fast, affordable contractor bond quotes for St. Charles Water & Sewer contractors. Our team works with multiple surety carriers to secure competitive pricing while ensuring your bond meets all municipal requirements.
