Every firearm is always loaded.......no matter who has handled it.
Not going to give you all my pedigree in firearms but been involved a long time in many levels. Used to spend entire days at the range. Armorer. Range Officer at matches. Competitor. Every once in a while I get to thinking I'm pretty good. And sometimes I enjoy just sitting at the safe and appraising and fondling my pieces. One day, doing just that, I picked out one of my AR's, was giving her an inspection and appreciation and after a bit, and for no particular reason, pulled the charging handle back. And a live round ejected! And, the safety was off! Now if I had any pride at all I would not admit this but I had to be the guilty party because no one else had handled or had access to my stuff! And I never put a gun in the safe unless it was in safe mode; no magazine and nothing in the chamber. All ammo was kept in another safe. I was dumbfounded and took a while to absorb the implications. If a person of my experience and expertise could do this then.............anyone can have an oversight/accident! But I had followed the rules of keeping my finger off the trigger/the piece pointed in a safe direction. What I failed to do (because of my confidence/methodical storage protocol) was to assume the weapon was loaded and check that it was clear.
Just say'in. Every firearm is loaded and must be made safe. Even when you know it is.