When I come back from my maternity leave I will be starting a security deposit with all new clients equal to 2 weeks of care, very similar to what others have done. I have never been in a position to need to take legal action but personally I wouldn't hesitate if the circumstances warranted it. If I were to take someone to small claims court for breach of contract I would include in the suit my legal fees as well as lost wages. It is perfectly reasonable to include these things and it often is included in small claims suits.

If this is about a situation you currently have ongoing sometimes even just letting the other party know you are making moves to being legal action will be enough to make them pay up what they owe. I'm not talking empty threats, but giving a heads up prior to actually starting legal action. Fingers crossed you might just save yourself the hassle.