12 volts near a freshwater pool or outdoors where saltwater is not present is not much of a danger. The most likely danger is of burns associated with metal shorting the conductors, like a (jewelry) ring, bracelet, etc. Pressing a tongue against live 12 volt terminals is exciting—but not dangerous.
If you prefer the terminals be idiot proof (which is a reasonable thing for most people) cover them with silicon caulk, though that inconveniences disconnecting and reconnecting. The clear flavor of caulk would be my preference so that one can see what is being protected.