An exposed upper body without a shirt is described as topless.
When people talk about being topless or seeing someone who's topless, they often mean it in an informal or casual setting. At beaches and pool parties, it's not uncommon to see people enjoying themselves with their tops off. Some clothing stores even have special sections for swimwear that's designed to be worn in these situations. The term can also refer to a bar or club where women are allowed to appear topless as part of the atmosphere. In general, being topless is about feeling relaxed and comfortable in your own skin.
Lacking a top.
Example: The sight-seeing bus is topless to allow tourists a better view of the sights.
