Regardless of what your contracts state, everyone has emergency situations or times when they aren't available to work sort notice. If you had stomach flu, likely you'd close and remain closed for a couple of days to ensure the children didn't get it. That's a risk parents take with in home.
For a funeral, it would be some pretty heartless clients who weren't willing to be a bit flexible. I think if you have paid personal days/vacation/sick days, then you should be able to use some of those for this event. If not, I don't think it's unreasonable to close without pay - few could argue with that.
I have 10 personal days a year in my contract which would over sick, vacation and any other reason for unavailability.