Surface tension is a chemical phenomenon that happens at the surface of a liquid where the liquid becomes denser than the rest.
The surface is the outside of something: the visible or outer part, like your skin. Tension is an action that makes something tighter, like if you tense a muscle. So surface tension is something that happens to liquids when the surface becomes more tense or solid than the rest of the liquid, due to intermolecular forces. A bug can walk across a pond because of surface tension.