Ok, I do NOT advocate plagiarism, but within the law and spirit of plagiarism you can fashion up a pretty good TOS.
Some things to keep in mind are:
Find a large company that are operating in the same province/state you are in.
Look at their TOS. Emulate it but as a business you should of course have your own qualifications.
Make sure your TOS correlates with the company you lease your server from or correlates with the host you choose to be a reseller with.

There is little variation in laws in North America. Some hosts and service providers will add clauses though, especially when dealing with issues such as adult content.
You need to make sure your TOS does not conflict anywhere down the line with any of your providers.

If you are a reseller, some hosts will allow you to use their TOS verbatim so it never hurts to ask.