Just use a LEM sensor indeed. You can get them for PCB or wire-trough.
They'll withstand overloading, and will give AC and DC. LEM series CAS - CASR - CKSR are nice. Many choices in primary value, and you can choose if you want to series/parallel the sensing wires. You can even feed through them, as bugfix, if you really need to.
Note: LEM sensors are vulnerable to near* magnetic fields. From transformers or magnets!
*(~20cm, 8 or 0.6 freedom units)