Yes, local artist associations usually provide some basic templates for this, done for your local laws. But i find this template very usefull, even outside USA because it covers all the aspects your contract should have:
It covers it all, it describes what your contract should include such as lateness fees etc. It also discusses how a freelance job is different form a normal job, and that you need to be sure they understand their rights to the artwork, and yours. Unless they pay for it specifically they don't necessarily own the full work*, as its yours in certain parts. So theres some sections on your right to keep the right to use it in your protfolio etc (and no no amount of money is worth negotiation this caluse out, because it WILL affect your future employment status. Thus its part of the reason to work and you need to factor in a whole life loss of income into any contract that does)
But basically usually you transfer the rights to your work ONLY when the full transaction is completed. Untill then its not theirs, so if they use it then its a copyright violation.
- you still retain the right for your work not being modified for example.