Questions: The practical reason for holding an employer liable for an employee's negligence is that the employer usually has money to settle the suit.

The answer is: insurance.

Explanation for each option:

1. Money: While it is true that employers often have more financial resources than employees, the primary practical reason for holding an employer liable is not just because they have money. The legal principle of vicarious liability is based on the idea that employers are responsible for the actions of their employees performed within the scope of their employment.

2. Alternatives: This option is too vague and does not directly relate to the concept of liability in the context of employer-employee relationships. It does not provide a clear reason for holding an employer liable for an employee's negligence.

3. Insurance: This is the correct answer. Employers typically have liability insurance that covers claims made against them for the negligent actions of their employees. This insurance is a practical reason for holding employers liable, as it ensures that there is a financial mechanism in place to compensate victims of negligence.

4. Counterclaims: This term refers to claims made to offset another claim, usually in a legal context. It does not directly relate to the reason for holding an employer liable for an employee's negligence.

In summary, the practical reason for holding an employer liable for an employee's negligence is that the employer usually has insurance to settle the suit.