The most common and most likely answer to this crossword clue is the 5 letter word GERMY
I've seen this crossword clue in Independent
G
E
R
M
Y
Buddy explains!
The straight part
We know that "crawling with bugs" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case crawling with bugs = germy.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does GERMY mean?
GERMY adjective- That carries germs.