Using layers in Multiplayer?

So i got this problem when i but my camera in my characters face i see the character from the inside, Normally i would use layers to fix that but now when i create a multiplayer game that would make all players become invincible due they all are clones of a prefab that all have the same layer, Is there anyway of like creating a layer via script so i could example use PlayerPrefs as layer name?

You can make your won character invisible simply by not rendering it: GameObject.renderer

this.renderer.enabled = false;