Who do people usally get to write these? Or is their some you can just copy and use? Thanks TOS = Terms of Service or Terms of Use
Lawyers. What website do you need a TOS for? I think there are several hosting resource sites that "generate" tos for you, if you are starting a hosting business.
There are also pre-made TOS templates and forms, such like this: http://www.hostlegal.com/component/page,shop.product_details/flypage,shop.flypage/product_id,24/category_id,3/manufacturer_id,0/option,com_virtuemart/Itemid,69 Code (markup): but depends on your needs, because TOS may apply to different situations.