FYI, Disclaimer will NOT prevent a lawsuit. It may help you win depending on which state you live in. It never hurts to include one. Just make sure you have a business insurance policy with 7 figures of liability coverage. Thats for when you lose. Remember the lady that got millions from McDonald's for the Hot Coffee? She was only asking for 20 thousand to cover medical bills. A greedy lawyer and a "helpful" jury gave her the larger figure.
That being said, it all depends on how lucky you feel. Personally I can't depend on luck when it comes to business.