Steve: Of course, that "what if you get hit by a truck (or a bus or ...)" is absolutely a fair question for someone relying on a solo programmer writing custom code. I hope you have good documentation for your system, and that you have a contract with these folks that makes clear what their rights are if you're not there. (In the case I mentioned, I had the owner of the company sign a waiver to protect me if someone came along and asserted rights to the code.)
The downside of still operating in a FoxPro 1 mode is that if you're not there, it'll be even harder to find someone to come in and help out than if it were a fully VFP app. Those of us who ever worked in pre-VFP FoxPro are getting up there.
My husband is a solo practitioner lawyer and a few years ago, after attending a relevant continuing ed course, he spent a whole lot of time doing succession planning. He has an arrangement with a small firm that's willing to take on his clients (if they're so inclined) if he's either temporarily or permanently unable to continue to work. He also has written documentation about all of this.
I know I should do something similar, but I haven't gotten there. OTOH, I have connections to a lot of others in the VFP community and my husband (and, to some extent, my adult kids) know who those people are, so would have some idea who to talk to if something happened to me. (Happens that, at the moment, my principal client is another developer, which helps, too.)
Tamar