Its pretty standard that you pay for stat holidays I do not pro-rate or refund for stats. I personally do not take paid vacation but I know many providers who do so that just depends on the provider. I have my sick days limited to 3 per year paid. (In 2011 I took 2 sick days and this year I have taken none). As for requesting you not to drop off or pick up within a certain time frame that is done out of respect for the routine set up for the benefit of the entire group of kids in care. If you are picking up/dropping off mid day you are upsetting the routine in place for the good of everyone. In your providers case 11am likely marks the beginning of her lunch prep (which she has to do while monitoring and supervising all her children- its no easy task!) Following lunch most providers do a "quiet activity" like story time then the children are off for nap- and nap time is SACRED. Its vitally important for the kids to get the rest and sleep they need and nap time is also the only time the provider has during the day to play catch up. Things like cleaning up, sanitizing, returning emails or phone calls from other parents, prep for tomorrow are all done during nap time. Once the provider is finished all that she uses the rest of nap time for her one and only break she gets all day long. I would not allow a parent to drop off/pick up within that time frame either on a regular basis either.

I do understand where you are coming from but unfortunately I don't think your provider is being unreasonable. It sounds like she is very professional and if she is as great with your child as it sounds like she is with business I'd stay with her-- those well rounded providers are hard to find and they are pretty incredible people.