A disposable garment-protecting cover having a flexible, foldable sheet construction is provided for use when holding a baby against one's shoulder. The sheet construction has upper, lower, and middle regions which are preferably folded therebetween to cover a user's upper back, chest, and shoulder areas, respectively. The middle region has a central aperture through which a user's neck may be extended, and the lower region includes at least two vertical creases which fold the resulting vertical sections toward a back surface of the sheet construction, such that when the garment-protecting cover is donned, the lower region contours to the user's chest.