Suitable clothing in respect of an insect that bites (4,3)

I believe the answer is:

fire ant

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'insect that bites' is the definition.
'fire ant' can be an answer for 'insect' (fire ant is a kind of insect). I'm not certain of the rest of the definition.

'suitable clothing in respect of an' is the wordplay.
'suitable' becomes 'fit' (similar in meaning).
'clothing' indicates putting letters inside (some letters cover up or clothe others).
'in respect of' becomes 're' (I can't justify this - if you can you should believe this answer much more).
're'+'an'='rean'
'fit' going around 'rean' is 'FIRE ANT'.

Can you help me to learn more?

(Another definition for fire ant that I've seen is " Insect".)

I've seen this clue in The Times.

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