In every gun shop I worked at (or in my own shop) Rule NO. 1 was always - there will be NO live ammo in the shop at any time. Anywhere in the shop. Ever. It's just too easy for someone to grab what they "think" is a snap cap to check a function and shoot someone. It has happened many more times than you would think. If tools and guns in are the same room - unload it BEFORE you even enter the work area. There are a number of handguns in fairly common use that have linkage parts for the trigger on the outside of the frame. (Beretta for one) Just bumping it with a screwdriver or punch in a specific place can release the sear. If the gun is loaded it will fire.
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