Some risk increasing personal cover (4)
I believe the answer is:
skin
'cover' is the definition.
(skin is a kind of cover)
'some risk increasing personal' is the wordplay.
'some' indicates a hidden word (some of the parts of the word are used).
'SKIN' is hidden within 'risk increasing personal'.
(Other definitions for skin that I've seen before include "Outer surface" , "Hide - flay" , "Scrape, as the knee" , "Surface layer" , "Outer layer of tissue" .)