I dont think paying for a providers vacation is appropriate. If they close you should have to pay. Holidays on the calendar are different like christmas day easter and so on. I dont mind paying for those days. Unless her contract says 10 days of paid vacation to be paid by each client yearly or at the end of their contract Id say she doesnt have a leg to stand on. If it just says 10 days of vacation then you pay for what ever she took while you were in her service. I would clearly write this out to her so she understands her contract has a loop hole and she needs to address that before sending out new contracts