The individual panels are always able to create power when there is sunlight, however the module on each solar panel only sends power when the inverter is on.
That's a pretty big assumption that would not be correct for many setups. It
may be true for setups with optimizers, as I'm not sure how those work and whether they also provide RSD-style functionality.
For any non-optimizer setup, there's no way to get the panels to "stop sending power". In sunlight they're like batteries, there's always a voltage potential between the positive and negative terminals, and if you complete the circuit then current will flow. One nice thing about panels (compared to batteries) is they generally can't provide a lot of current (and the PV wiring
should be rated for the short-circuit current of the panels), but since the voltage can be quite high (a few hundred volts, residential PV systems are generally kept below 600V as far as I know) they can still deliver a lot of power.
One question would be whether there is a RSD (Rapid Shutdown Device) present, and if so where it is in relation to the work being done. If the RSD is on the opposite side (relative to the inverter) of the wiring being altered, then it should ensure that the lines are not energized (assuming it's working properly) when the inverter is off (DC & AC, see below). If there is no RSD or the lines to be worked on are between the panels and RSD then they
will be energized in sunlight, but the key would be to not complete the circuit. The panels themselves should be floating (not earth grounded), so as long as you don't allow the positive and negative leads to come into contact (directly or via something else conductive) then everything
should be fine (of course I'm not making any guarantees there, if you're not comfortable working with potentially high-voltage wiring hire a professional to do it). Personally, I'd recommend disconnecting the wires as close to the panels as you can get (at least the positive connector, both if you're not sure which is which), to ensure that everything after that point is de-energized (I'd use a properly-rated voltmeter to ensure there's no DC voltage on the wires before proceeding), then re-connect them once you've finished working with the wiring (but with the inverter's DC disconnect still off,
and the AC breaker to the inverter should also be thrown, as Tesla told me the inverter may send the signal to enable the RSD based purely on having AC power, even if the DC disconnect is thrown. I'm a bit skeptical about that claim personally, but better safe than sorry).