This is the 2738th most frequent Swedish word.
täcker
"Covers"
The word 'täcker' is used here as a verb meaning 'to cover', describing the action of placing a cloth on the table to hide or protect its surface.
Hon täcker bordet med en duk.
She covers the table with a cloth.
In this usage, 'täcker' refers to the concept of coverage, indicating that the insurance handles or is responsible for the financial aspect of the damages.
Försäkringen täcker kostnaden för skadorna.
The insurance covers the cost of damages.
Here, 'täcker' is used to describe the physical act of snow lying on and covering the ground, effectively forming a layer above it.