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There is an Onan in a charter fleet that did shut down (repeatedly) when it sensed a lack of water flow, complete PIA as it was far to sensitive for charter guests to trouble shoot. It is still connected and functional but another electrical pump was added to help increase the raw water flow...While not designed to shut the motor down, there are many raw water flow alarms on the market. If you are alerted to the lack of flow, it could even be sooner than a temp gauge knows what's going on. In either case, you've likely eaten an impeller.
All that said, I would never sleep with a generator running. While accidentally frying the genset is one reason, which the OP is trying to prevent, presumably the generator is running to power something. That power draw is a fire hazard, while sleeping.
Our Mase generator has both an oil and temp cutoff built in. Still, no sleep with it running. In fact, I've received false alarms too and the motor won't start, thinking the oil is low. I dig into the genset locker, check, no issue. Have to fully reset the brains on the genset and start over. Fail safes are not fail proof either. Again, why one shouldn't rely on one while sleeping.
Do you sleep with the air conditioning on when at a slip? Isn't that power draw a fire hazard too? What about the battery charger? Refrigeration? You don't trust that those devices are wired up to the current standard (bad pun) and that the breakers will trip as designed and save you, do you?
I recall you have chartered in the BVI. The majority of the hundreds of catamarans in the charter fleet have generators that run every night, and many all day, for AC. In the 9 years I've been here I've yet to hear of a single fatality. Have you? I'm not disagreeing that running any electrical item while asleep has the potential to be hazardous. The act of boating itself carries risks. Statistically I'm aware of far more people seriously hurt after being hit by ferry boats than of having been injured by a generator. Ferry operators scare me, generators do not. Again, why one should be scared of ferries in the VI.