A good holster will protect the trigger. Remember "A good holster".
CB is excellent, I have worn them for years.
There are many good holster manufacturers out there. Check the members for recommendations, you will not be disappointed.
Always wear your pistol, keep it in your possession. The biggest risk with children is when you do not have actual possession of your pistol. If you are carrying it, the kid is not playing with it. You are always responsible for it.
Welcome, and thanks for taking your self protection seriously.
"Peace is that brief, glorious moment in history when everybody stands around reloading". Anonymous
Earp: Not everyone who knows you hates you.
DOC: I know it ain't always easy bein' my friend....but I'll BE THERE when you need me.