so I have a link on my website that has terms of services but they don’t physically check a box saying I agree.
It sounds like what your saying is I just send them all an email with an “Updated Terms Of Service” and stop all action on their account until they reply with “I Agree” or an “All good, please continue service”
A special type of coverage that protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes on your part (errors) or because you failed to perform some service (omissions).
That is what I have as well, recommended from my CPA ( get one of those if you can )
If you have a dashboard for your users, you can set up a popup message for the next time they login, inviting them to review your TOS and accept it, in order to continue. I think that is a non invasive way to manage that.
If you have few clients and no dashboard, you can explain them that, as you are growing, you are setting a more professional workflow and need them to sign a contract. You can use a service like Hellobonsai.com for that.