http://provider.com/contracts.htm
This is a good topic/thread, I would like to see more people share their timesaving tips. I have added a resource that can be a godsend to new businesses and freelancers here. If you are like me, yopu are not experienced in contracts, and these templates are free, and cover area's that I wasn't even aware existed.
I've found some of these to help ME understand what all the parts to a web development project are as well as their primary purpose as legal documents.
Interesting reading, I must say. :o)