No money in the world is worth risking your life over.
We go to the GC with the request to have a shutdown, "but.. it's inconvenient, blah, blah, blah..." Why yes, sure, then sign this please - if this and that happens it's because you dumb*** wouldn't let us turn the power off. 99 times out 100 the response is - when can we schedule the shut down for?
And even the "small" stuff - testing voltage of a panel, wear the rubber gloves, wear FR clothing, the arc flash could happen at any time. Develop a safety policy, and follow it!!!! "We don't do hot work" is not a policy, it's asking for an accident to happen.
Even you, resi guys, need to have a plan in place.