Person in field with cutting almost finished (5,5)

I believe the answer is:

extra cover

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'person in field with cutting almost finished' is the definition.
I can't tell whether this definition defines the answer.

'person in field with cutting almost finished' is the wordplay.
'person in field' becomes 'over' (I am not sure about this - if you are sure you should believe this answer much more).
'with' says to put letters next to each other.
'cutting' becomes 'extract' (I've seen this before).
'almost finished' means to remove the last letter.
'extract' with its final letter taken away is 'extrac'.
'over' put after 'extrac' is 'EXTRA COVER'.

Can you help me to learn more?

(Other definitions for extra cover that I've seen before include "Greater insurance" , "Cricketer" , "Cricket fielder - more insurance?" .)

I've seen this clue in The Independent.

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