I was going to get the rabbit that kept eating our garden (despite the fact that we lived in town when I was late teens/early 20's so I loaded up dad's old Benjamin 312 .22 pellet gun and went after it. Don't remember exactly what happened, but as I stepped off the back porch with the gun pointed in the air, it went off. I learned to respect that very light trigger. I launched a lead pellet over some houses and hopefully it traveled far enough to get out of town -- never heard about anyone getting hurt. Also had an "almost" when I was hunting with a Rickard 12 ga side-by-side that was my grandfather's and went to reload it. I was cocking the hammer and my thumb slipped off. I nearly had a heart attack, but I realized that a "half cock safety" really is a safety (I previously had seen little use for it) Fortunately it worked on that gun despite being probably 75+ years old. I was holding it in my lap, so the recoil would have done a bit of damage to my hand as the hammers caught me had it gone off.
Btw, to the guy who asked if we drop our babies too -- yes, as a matter of fact I have. I tripped over a box fan and dropped my son into a hamper full of clothes on his first birthday. Accidents do happen, we just need to be as careful as possible to prevent them and/or minimize the damages.