Bolingbrook's Code of Ordinances does not impose a numeric short-term rental liability insurance minimum on hosts. The Chapter 26 Good Neighbor Rent/Lease Program (Section 26-53) conditions issuance of the $75 annual landlord license on inspection, training, and lease addendum requirements, but does not publish a fixed dollar liability minimum. Hosts should still carry a short-term rental liability policy because standard homeowner policies typically exclude commercial use.
Bolingbrook's rental licensing framework lives in Chapter 26 of the Code of Ordinances and the Good Neighbor Rent/Lease Program administered by Code Enforcement. The published landlord-license requirements under Section 26-53 (training video certification, mandatory lease addendum prohibiting criminal activity, $75 annual fee, $125 vacant/$250 occupied rental inspection fee, fossil-fuel inspection by a Village-registered contractor, and HOA permission letter where applicable) do not include a numeric short-term rental liability insurance minimum on the public-facing portal. Bolingbrook has not adopted a stand-alone STR ordinance with a Chicago-style insurance mandate (Chicago Municipal Code Title 4 Chapter 4-14 requires $1,000,000 commercial general liability for shared housing units), so a Bolingbrook host's coverage requirement is shaped by lender requirements, HOA rules, and Illinois Department of Revenue reporting under the 35 ILCS 145 Hotel Operators' Occupation Tax Act rather than by Village ordinance. Most standard Illinois homeowner policies exclude commercial or short-term rental activity, which is why hosts add a short-term rental endorsement or buy a dedicated landlord/STR policy. Airbnb's Host Liability Insurance and Vrbo's Liability Insurance programs (up to $1,000,000 per occurrence on covered platforms) provide secondary protection but are not a substitute for a primary policy and should be confirmed against the host's individual policy and HOA rules. Confirm any current Village requirement directly with the Code Enforcement Division at 630-226-8760 before listing.
Because Bolingbrook does not publish a numeric STR liability insurance minimum, the typical enforcement issue is operating without the Section 26-53 landlord license or without a current Rental Occupancy Permit. Those violations are enforced by Code Enforcement under the Code of Ordinances general penalty section, with each day a separate offense and possible revocation of the landlord license. Hosts who fail to remit Illinois Hotel Operators' Occupation Tax under 35 ILCS 145 also face Department of Revenue penalties.
Bolingbrook, IL
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