A question that often arises in practice is:<\/p>\n
\ud83d\udc49 If the agent \u201cbrought in\u201d the customer, are they responsible if the customer fails to pay or perform the contract?<\/p>\n
\ud83d\udccc Generally, no. An agent is not liable for performance of a contract between the principal and a customer. The agent\u2019s role is limited to acting as an intermediary in its conclusion.<\/p>\n
But\u2026<\/p>\n
\u2696\ufe0f The Civil Code allows the parties to agree that the agent assumes responsibility for the customer\u2019s performance, known as del credere liability<\/strong>. Certain conditions must be met:<\/p>\n 1\ufe0f\u20e3 the provision must be included in an agency agreement concluded in writing;<\/p>\n 2\ufe0f\u20e3 the agent must be remunerated for assuming the risk, through \u201cdel credere commission\u201d.<\/p>\n \u26a0\ufe0f What does the principal gain from such a clause?<\/p>\n \ud83d\udd35 It can demand performance directly from the agent.<\/p>\n \ud83d\udc49 Importantly, this liability is a guarantee<\/strong>: the agent is liable regardless of whether they were at fault for the customer\u2019s non-performance.<\/p>\n Example:<\/p>\n If a customer fails to pay an insurance premium, the insurer acting as principal may demand payment from the agent.<\/p>\n \u26a0\ufe0f This raises a key issue often overlooked in agreements.<\/p>\n \ud83d\udc49 The agency agreement should specify precisely<\/strong> which contracts, or contracts with which customers, the agent guarantees. Failure to do so may even invalidate the provision.<\/p>\n \ud83d\udccc Conclusion?<\/p>\n A del credere clause can reduce the principal\u2019s risk of customer non-performance, but:<\/strong><\/p>\n \ud83d\udc49 it entails an additional cost;<\/p>\n \ud83d\udc49 it requires very precise drafting.<\/p>\n Otherwise, it creates a further area for dispute rather than protection.<\/p>\n","protected":false},"excerpt":{"rendered":" A question that often arises in practice is:<\/p>\n","protected":false},"author":0,"featured_media":3612,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"304","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"iawp_total_views":0,"_djp_featured_image_mode":"full","footnotes":""},"categories":[{"term_id":304,"name":"Agency Tuesday","slug":"agency-tuesday-en","term_group":0,"term_taxonomy_id":304,"taxonomy":"category","description":"","parent":0,"count":35,"filter":"raw","cat_ID":304,"category_count":35,"category_description":"","cat_name":"Agency Tuesday","category_nicename":"agency-tuesday-en","category_parent":0},{"term_id":301,"name":"Banking","slug":"banking-en","term_group":0,"term_taxonomy_id":301,"taxonomy":"category","description":"","parent":0,"count":38,"filter":"raw","cat_ID":301,"category_count":38,"category_description":"","cat_name":"Banking","category_nicename":"banking-en","category_parent":0},{"term_id":291,"name":"General","slug":"general-en","term_group":0,"term_taxonomy_id":291,"taxonomy":"category","description":"","parent":0,"count":153,"filter":"raw","cat_ID":291,"category_count":153,"category_description":"","cat_name":"General","category_nicename":"general-en","category_parent":0}],"tags":[],"djp_center":[287],"coauthors":[],"class_list":["post-4774","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-agency-tuesday-en","category-banking-en","category-general-en","djp_center-agency-tuesday"],"acf":{"djp_promote_now":false,"djp_promotion_days":7},"images":{"thumbnail":"https:\/\/djp.pl\/wp-content\/uploads\/2026\/06\/djp-czy-agent-ponosi-odpowiedzialnosc-za-wykonanie-umowy-przez-klienta-150x150.webp","medium":"https:\/\/djp.pl\/wp-content\/uploads\/2026\/06\/djp-czy-agent-ponosi-odpowiedzialnosc-za-wykonanie-umowy-przez-klienta-300x169.webp","medium_large":"https:\/\/djp.pl\/wp-content\/uploads\/2026\/06\/djp-czy-agent-ponosi-odpowiedzialnosc-za-wykonanie-umowy-przez-klienta-768x432.webp","large":"https:\/\/djp.pl\/wp-content\/uploads\/2026\/06\/djp-czy-agent-ponosi-odpowiedzialnosc-za-wykonanie-umowy-przez-klienta-1024x576.webp","full":"https:\/\/djp.pl\/wp-content\/uploads\/2026\/06\/djp-czy-agent-ponosi-odpowiedzialnosc-za-wykonanie-umowy-przez-klienta.webp"},"_links":{"self":[{"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/posts\/4774","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/comments?post=4774"}],"version-history":[{"count":2,"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/posts\/4774\/revisions"}],"predecessor-version":[{"id":5423,"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/posts\/4774\/revisions\/5423"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/media\/3612"}],"wp:attachment":[{"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/media?parent=4774"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/categories?post=4774"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/tags?post=4774"},{"taxonomy":"djp_center","embeddable":true,"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/djp_center?post=4774"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/djp.pl\/en\/wp-json\/wp\/v2\/coauthors?post=4774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}