K..
Ok, I really want proof of this whole "not tipping the owner" myth!! I have never heard this in the real world. Why would you not tip someone who provided you a service just because they are the owner? They still did the work, and I would think that since they are the owner, the work was above par & that they were more experienced than everyone else.
I would've insisted on tipping her. Maybe slip a Starbucks card in the thank you note as a token of appreciate.