For the most part this is a repeat of what has been said however here is my $.002. I understand the concern if the gun is going to be out of the holster and handled. If I was going to bring a firearm into a gun store that I planned on handling such as for a fit to a new holster or checking the fit of a new attachment I would bring it in emptied and safed with my back up in my holster.
Discount Firearms allows OCing however, they want it to stay in the holster. You can take it into the range however; it has to stay in the holster until you are at the firing line facing the target.
The majority of the times I am on a motorcycle and standing next to my motorcycle with my gun out of the holster to empty it gets attention. I was taught, if not for defense or controlled shooting event that as soon as you remove a loaded firearm out of the holster one has just greatly increased the odds of an unwanted gun issue.
No brainer, standard safe gun handling comes into play big time, finger off the trigger, aiming in a safe direction and so on however, like a car as soon as you start it the odds of crashing is increase tremendously. If the engine has not started or the gun is still in the holster, the hazards are at a minimum. I prefer not to have to unload my gun in public unless at a range firing line, controlled shooting outing or defending me or my loved ones life, in that case it would be using the single finger unloading method.
I believe it would be putting the store insurance at a bigger risk if they constantly have customers loading and unloading their guns in their parking lot.
