Business Continuity and Disaster Recovery (BCDR) are two separate and related concepts that are often lumped together when developing recovery plans. Let's start with some quick definitions.
Some countries require a definite plan before the business gets approved but most do not feel the need for this. However, it is still your responsibility to protect your employees as much as you can and especially during work hours. A lot of business people find it difficult to come up with their own plan so they look for plan templates online.