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Indiana requires start date and estimated completion. Signature line and dates for both parties. Certificate of Insurance, complete change order contract for any changes in work or pricing.... (which I don't mind). Also, if it's not stated that loosing party is responsible for attorney and court costs, you will not get them if you win. (I know that by hard knocks).

Basically, you state what you are going to do, what is not covered, what to expect on completion, how the owners will pay, what happens if the owner doesn't pay. You need a back door on cracks, delamination from below the overlay.... I had a customer call and +%!#* that my overlay was coming off. After close examination, my overlay was doing what it was suppose to do. The concrete was delaminating under the overlay. There was concrete on the back side of the chipped areas. You also state in the contract you can't be responsible for the concrete failing because you didn't pour it and had no control of it's placement. Nor can you be held responsible for the sub grade faulting.

Now in a court of law, the judge will look at how it was written. Your contract should look to protect both parties and be equal of do's and don'ts. If it's all one sided to your advantage then the judge will tend to lean toward the dumb asses that signed it.

Arbitration clause may the the best thing to have in your contract. It saves a lot of hassle/money on both sides. There should never be a problem asking for an partial payment. I list it as job specific materials. Once purchased, they belong to the owner. (State that). I go heavy on the pencil when I figure my materials.    gene ec-Indy