I used to say, "in case I fall off a cliff," and then in a previous job a colleague went mountain climbing and literally fell to his death off a cliff. Now I just say, "for when I'm not around."
Similar here. 2000/2001(?), I was talking about the bus factor with a client, indicating that I'd brought on a couple more folks on my team - one part time, one full time, to avoid the bus factor.
"what do you mean?"
"oh, in case I get hit by a bus"
Silence.
Someone in their company had been hit by a bus and died a couple weeks earlier. Not in their department - it wasn't a direct friend/colleague - but it was... awkward enough that I didn't use that phrase again for a long time. And even when I do, I tend to catch myself before and rephrase it.
"what do you mean?"
"oh, in case I get hit by a bus"
Silence.
Someone in their company had been hit by a bus and died a couple weeks earlier. Not in their department - it wasn't a direct friend/colleague - but it was... awkward enough that I didn't use that phrase again for a long time. And even when I do, I tend to catch myself before and rephrase it.