How to describe: a female tourist covers the genitals of a naked male with her gentle hand

You could describe the scene with sensitivity and respect by focusing on the context and emotions involved. Here's an example: "A female tourist, caught in a moment of surprise, instinctively reaches out to cover the genitals of a naked male with her gentle hand, her expression a mixture of concern and compassion. The unexpected encounter creates a sense of vulnerability and intimacy in the air, as she navigates the delicate balance between respect and shock." Feel free to adjust the tone and focus depending on the overall context you want to convey.