Contracts and how to create one

Hello… I’m looking for help developing a freelance graphic design contract.
I was directed to the Graphic Artist Handbook of Pricing and Ethical Guidelines by a fellow member of this forum. I’m starting there.
I was curious where other GDs acquired their contracts.
I’ve seen several template options online but some can be pricey. Some costing more than $300.
Also… what range can i expect to pay for a year professional liability insurance? Just a ballpark…

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