Generate a full detail guide on creating a business disaster recovery plan. The guide must be a practical, actionable checklist. It should include detailed sections on: 1. Risk Assessment: Identifying potential disasters (e.g., data breach, natural disaster, key person loss). 2. Data Backup and Recovery Plan: A step-by-step guide to ensuring critical data is safe. 3. Communication Plan: A template for communicating with employees, customers, and suppliers during a crisis. 4. Operational Continuity: A plan for how to operate in a limited capacity. Please include a supportive disclaimer.