HB..
Buy a Mossin Nagant. Kentucky Gun Co has them going for 80 bucks!! 7.62 bolt action for dat A..!
Most def safer for you with kids around due to the training involved to simply rack a round. Much easier to secure and harder for a knuckle headed kid to hid in their coat and take to school or sit on the bed trying to peer down the barrel.

So, what's exactly are the safety issues or restrictions you have?
Are the kids old enough to attend classes or hit the range with you?