Hi Mark:

> let's assume there are 120VAC traces on the top layer of the PCB (AC comes
> in from a detachable  power cord) Right next to the trace (<1mm) 
> 
> there is a plastic stand with metal screw (washer build-in) in it. metal
> washer lays on top of the AC trace, separated only by the mask.
> 
> Screw is not connected to any grounds or circuits or any other conducted
> part. It is untouchable to the user side. 
> 
> Is where any safety concern? Product is evaluated under 60950. One thing
> came to my mind, is a plastic standoff, probably should be able to support
> high voltage? is it valid concern? any others?

The solder mask is NOT a suitable safety insulation 
(because its purpose is that of a solder mask).

Therefore, you must consider that the screw is connected
to the the PCB 120-volt trace.  

Now, you must evaluate the safety based on the screw 
being part of the mains circuit.  That means you must
evaluate the clearance and creepage distances from the
screw to other parts of the equipment.  And, you must
evaluate the plastic standoff as a solid insulation,
including distance through insulation as specified in
60950-1.


Best regards,
Richard Nute
Product Safety Consultant
San Diego

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