As a mom, I know that all kids have their own schedules. My Daughter napped until she was almost 4. My older son stopped napping at 2.
As a day care provider I have some questions to ask...
Do all the kids nap at the same time?
What does the provider do while the kids are napping? House work, paper work (and yes, there is paper work in home daycares) or just catching up on the "shows".
Personally I LOVE when all the kids are down at the same time... It gives me a bit of a break.
BUT.... It rarely happens.
Talk to the provider and find out what EXACTLY the schedule is. She may be trying to put her down too early or too late...
Is she in a darkened room alone or are there distractions going on around her.
If she does refuse to nap, what does the provider do? I have a standing rule of quiet time for the non nappers... They can sit and draw, read, play quietly... BUT THE RULE IS QUIETLY...
If it gets loud they have to find a quieter game.
With toddlers quiet time tends to be story time and interaction time... Some are content to just cuddle and fall asleep on your lap... Others not so much. Ask if the lights are dimmed or bright? Dimmed helps with relaxing.
Are naps before or after lunch? Could be she's hungry...
Ask if there is large muscle play before nap time. Running and hopping tires them out. :-) But can also wind some up if they arn't given enough down time between playing and trying to sleep...
I don't know how flexible they will be with the schedule but find out what the schedule is and if it doesn't match YOUR child ask if maybe it can be altered for her... as in if she usually goes down at 2 and they are trying to make her go down at 12...Putting her down later might help.
If you do need to find a new provider see if there is a local child care agency that can give you referals to a state licensed provider... In MI its called 4c.