Since you are an estimator, that implies that someone else is doing the work. Don't try to save a few dollars of someone else's money by putting an electrician at risk.
I'd like to suggest a different perspective on 'working live'. What, exactly, does 'working live' mean?
It sounds like it is 'working on energized equipment', but what we really mean is 'working on energized equipment that was
not designed with appropriate safeguards to be manipulated while energized because someone wanted to save money while keeping something on'. Think about it: we work with energized equipment all the time, but we don't give it a second thought because that equipment was designed from the start to be manipulated while energized. When was the last time you shut off a circuit breaker to plug an appliance in? When was the last time you called the power company to pull a meter prior to flipping a circuit breaker? We don't even think of this as 'working live' because the equipment is designed to be assembled, switched, controlled, etc. with the operator safely separated from dangerous voltage.
IMHO if some process is so precious that it cannot be interrupted, or if the process can be interrupted but it is simply expensive, then the system should have been designed from the get-go to be worked on while keeping your workers safe.
You have a computer process that cannot be shut down? Then you should have a backup system so that you can shift the load over to the other server, shut your primary server down, and get the work done. If having a backup server is too expensive, then you can't afford to keep your system up.
You want to keep your store lights on when they are being changed out? Your lights should be installed with receptacles so that individual fixtures can be removed and replaced _safely_ without endangering someone. If you can't afford to use connectors that let individual lights to be disconnected without 'working live', then you can't afford to keep the lights on while they are being changed out.
IMHO you should not be risking your life just to save corporate a few pennies. They want the system to be up all the time, they should pay for sufficient redundancy and safety equipment that you can work on the system without having to 'work live'.