What would the proper protective gear be for residential distribution panel work?

In this area the meter could be pulled so the panel isn't live, but meters are rarely pulled. In other areas the POCO doesn't want ECs to pull meters. In either case with a live panel the top of the main is "Live POCO" which is somewhat close to unfused.

I'm curious what kind of arc flash could happen if the main shorted and what kind of PPE would be required for protection in that circumstance.

Dave