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Consult with a NYC attorney that you can build a long term relationship with. That way when you need documents in the future on a short timeline you'll have someone you trust to call on to get it done for you.
Legal disclaimer: I am licensed to practice law in the state of Washington and the answer provided above is for general information purposes only and should not be relied on as specific legal advice. This answer does not form an attorney-client relationship. You should consult with an attorney of your choice to fully advise you about your legal rights and obligations.
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Yes, if you want TOCs that fast you need an attorney. Don't grab one off of some other site and modify it, unless you are an attorney and know what you are doing and what each of the terms and conditions mean. In NYC, you will find a bunch of the type of lawyer you need. They go by "Internet lawyer".
Also, read my guideline on setting up a website. TOCs are just one of a hundred plus things you need to do when setting up a website business.
I am not your lawyer and you are not my client. Free advice here is without recourse and any reliance thereupon is at your sole risk. This is done without compensation as a free public service. I am licensed in IL, MO, TX and I am a Reg. Pat. Atty. so advice in any other jurisdiction is strictly general advice and should be confirmed with an attorney licensed in that jurisdiction.