Cryptic crossword clue
Padding over where arm’s held close to body 10

The most common and most likely answer to this crossword clue is the 10 letter word UPHOLSTERY

I've seen this crossword clue in The Guardian
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Buddy explains!

The straight part
We know that "Padding" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case padding = upholstery.
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 UPHOLSTERY mean?

UPHOLSTERY noun
  1. The craft or business of upholstering furniture.
  2. The materials used in upholstering furniture.

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