As far as a ToS goes a good place to start is the ToS your company agrees to for your account.
This is assuming that you have a reseller/vps/dedicated server account with someone and are not in your own datacenter.
Your ToS for your customers should be compatible with the ToS you agreed to.
You should never take legal or tax advice from anyone other than someone who is a licensed professional.
What you can do is take a look around the web and then make a tos with the key points you want in there and take it to a lawyer to use as base for what you want and then he can make it all legal and correct.
I believe there are a few posters on this site who are lawyers and offer such a service, so they could probably help you with the finer details.
My general advice would be to look at your personal liability. Set up the business entity so you are not personally liable for things (i.e. don't do a sole proprietorship). You don't want to risk your personal assets on this.
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The most important thing you want to accomplish with a terms of service is to indemnify yourself in cases out data loss or service outages.
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For the UK I'd agree with all of that, but even if your not a Ltd. co. you stil need to give access to your 'Office' Address, if you intend to sell on line, 'Distant Selling Law' [getting old can't think of the full correct terminology].
Even without the Law, it sucks not to give out an office address, on your website.
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