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Unexpected car troubles can quickly derail an employee’s workday—and an employer’s operations. A flat tire, dead battery or major repair can leave workers stranded, cause missed shifts and disrupt productivity.
To help small and mid-sized businesses minimize these disruptions and support their teams, Axcet HR Solutions has added Commute Guard, a unique, real-world benefit designed to help employees recover quickly when vehicle issues arise. The program will be available to client-employees on January 1, 2026.
Commute Guard is a comprehensive plan that fills the gaps traditional auto insurance and roadside memberships don’t cover. It provides financial protection, convenience and peace of mind when unexpected car problems strike.
With coverage that extends to an employee’s entire household, Commute Guard includes:
Backed by a network of more than 250,000 service vehicles nationwide, Commute Guard offers a simple claims process, with 99% of claims processed within three to six days. The result: employees get back on the road—and back to work—faster.
As an IRS-certified, award-winning PEO, Axcet continually enhances its Fortune 500-level employee benefits to give small and mid-sized employers the same recruiting and retention advantages as large corporations.
Adding Commute Guard to Axcet’s comprehensive employee benefits suite reflects the company’s ongoing commitment to offering innovative solutions that solve everyday workforce challenges.
Reliable transportation is essential for employees who work on-site, yet vehicle issues remain one of the most common—and disruptive—barriers to attendance. The average car on the road in the U.S. is 13 years old, and a 10-year-old vehicle typically requires a major repair every 18 months. At the same time, half of American households cannot cover a $500 emergency expense. When a vehicle breaks down, employees may miss multiple days of work, lose income, and experience significant stress.
With Commute Guard, Axcet helps close that gap—keeping employees on the road and employers’ operations running smoothly.
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While Commute Guard’s features benefit employees directly, its value to employers is equally clear. The program helps business owners:
Transportation issues are a leading cause of unplanned absences, especially in industries that rely on in-person attendance. Commute Guard’s towing, repair and rideshare benefits help employees get to work even when their vehicle is out of service—reducing downtime and maintaining operational continuity.
When employees miss work unexpectedly, teams scramble to reassign workloads and projects can stall. Commute Guard minimizes these disruptions by ensuring employees have the support they need to return quickly, preserving productivity across the business.
Offering benefits that genuinely improve employees’ day-to-day lives builds loyalty and engagement. Commute Guard demonstrates that an employer values its team’s well-being both inside and outside the workplace—an advantage in today’s competitive hiring market.
Comprehensive, thoughtful benefits help smaller businesses stand out against larger competitors. By partnering with Axcet, employers can offer benefits typically out of reach for companies of their size, positioning themselves as progressive and people-focused.
Commute Guard claims and reimbursements are managed directly by the program administrator, eliminating the need for HR teams to coordinate emergency transportation or reimbursement requests.
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Commute Guard’s benefits extend beyond financial protection. Employers offering the program may also experience:
Commute Guard joins Axcet’s growing portfolio of modern employee benefits—from health insurance and wellness programs to risk management, employee assistance programs (EAPs), pet insurance, and pay-on-demand options—that empower small and mid-sized businesses to compete at a national level.
As one of the first 10% of PEOs in the country to earn IRS certification and a three-time Best of HR Services Award winner, Axcet continues to innovate in ways that make life easier for employers and their employees alike.
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Client-employees will have access to Commute Guard in their employee benefits suite on January 1, 2026.
To learn how Commute Guard helps companies reduce absenteeism, strengthen employee satisfaction and enhance their total compensation strategy, check out the PDF >>
No. Commute Guard is not an insurance policy. It’s a membership-based benefit program that helps employees manage the financial and logistical impact of unexpected car problems. The plan provides reimbursements for repairs, towing, rideshare and rental cars—filling the gaps that traditional auto insurance does not cover.
Commute Guard takes towing and basic roadside assistance a step further. In addition to 24/7 towing and help with flat tires, dead batteries and lockouts, Commute Guard includes partial reimbursement for repair costs, rental cars and rideshare services.
It also covers the employee’s entire household and provides a Premium Care.com membership for backup family care—benefits not offered with standard roadside insurance plans.
One membership covers all vehicles owned or leased by family members in the employee’s household, including spouses, domestic partners and dependent children who live at home.
Commute Guard offers a simple claims process, and 99% of claims are processed within three to six days, helping employees resolve car issues quickly and return to work sooner.
Written by
Jo McClure, CPP, is the Director of Payroll Administration at Axcet HR Solutions, where she has been a pivotal leader for over 20 years. With more than two decades of experience in payroll outsourcing and professional employer organizations (PEOs), Jo specializes in helping small to mid-sized businesses navigate payroll administration, employee benefits, and compliance.
Her strategic leadership at Axcet focuses on implementing best practices in payroll management, compliance auditing, and risk mitigation. Jo obtained her Certified Payroll Professional (CPP) designation in 2006 and has held numerous leadership roles in the Greater Kansas City Chapter of the American Payroll Association, including President, Vice President, and Chapter Coordinator. A frequent speaker at the Midwest Regional Payroll Conference, she has also contributed articles to publications such as Thinking Bigger Business and Kansas City Small Business Monthly.
Jo's specialties include payroll implementation, compliance auditing, and crafting best-practice payroll solutions that ensure businesses stay compliant while optimizing their processes.
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