The most common and most likely answer to this crossword clue is the 11 letter word MANTELPIECE
I've seen this crossword clue in The Daily Telegraph
M
A
N
T
E
L
P
I
E
C
E
More clues leading to the result MANTELPIECE
Buddy explains!

The straight part
We know that "top covering fire" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case top covering fire = mantelpiece.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does MANTELPIECE mean?
MANTELPIECE noun- A shelf that is affixed to the wall above a fireplace.