The term 'IT COVERS YOU' can be solved by the crossword solution 'SKIN', which is a four letter word. SKIN is the outermost layer of the human body, and it serves as a protective barrier against environmental elements such as bacteria, viruses, and other pathogens. It also helps regulate body temperature and provides sensation to the body. SKIN is composed of three layers: the epidermis, dermis, and subcutaneous tissue.