I just got up from conversation with a couple of older black men, that I said "well I got to go back to work and start cracking the whip." And it occurred to me then that it was probably a really insensitive stupid thing to say.
Sadly, it hadn't occurred to me until it's already said.
Odds are that such a list won't ever exist. Insensitivity and bias depend on meaning, and meaning depends on context. As such, we [people in general] need to pay attention to what we're saying, and to whom, in to avoid both things. No easy way.