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Unless they're on ground wires, non-insulated terminals require external insulation. Polyolefin heat-shrink tubing is a standby since it's affordable, durable, and shrinks to half its diameter when heated. Choose tubing with a large enough inside diameter to slip over the terminal's barrel, and trim it about 1/8- to 3/16-inch longer than the barrel itself. It goes without saying that you'll have to slip this insulation over the wire before fastening the terminal, but we'll remind you anyway.