Chambered round. Stupid.
A modern handgun should be 100% safe to keep with a chambered round. Glocks are designed to be carried like this. When SHTF, do you want to be racking the slide? You may not even have a free hand to do so. That being said, this is why modern handguns are designed to be drop-safe. I'd be surprised if this was a Glock, Sig, Beretta, etc. Probably some knock-off POS, or a pocket-pistol. Many of them are not drop safe. I like Kel-Tecs, but I don't own a P11 because I know it is NOT drop safe.