The part I am talking about is the clip that attaches the fan to the heatsink. In sunbeams case, this clip is metal. It sort of resembles the feel of a small paper clip. It is very weak and flimsy so I am afraid the fan might come undone and the clips will land on top of something causing a short.
I have emailed sunbeam tech support to see if they have any new and improved clips.
I know Coolermaster Hyper 212+ used to have the same type of clips, but have since upgraded to something more sturdy and plastic.
I've seen the fan securing clips you're talking about, none of my heat sinks use that method of attaching the cooling fan, I had assumed once it was properly clipped into place it would be quite snug, so first off are you 100% sure its properly clipped into place?
If that raw metal clip fell on your motherboard or hit the backside of your graphics card of course it would short out, it is definitely a conductor of electricity, unless its coated with an insulating shield but from pictures I've seen they are not insulated.
If that clip is not snug when properly applied that's a little disturbing to me, since the next heat sink I have my eye on connects the cooling fan the same way.
If I had any thoughts what so ever it could come loose and fall on the motherboard, I'd use Conumdrum's Zipties suggestion, and get some nylon wire ties and find a way to secure the clip with them, just in case.
That would be the simplest way to get peace of mind about it.