If you have JQuery loaded already, you can just do this:
$('body').css('background-image', 'url(../images/backgrounds/header-top.jpg)');
EDIT:
First load JQuery in the head tag:
<script src="//ajax.googleapis.com/ajax/libs/jquery/1.7.2/jquery.min.js" type="text/javascript"></script>
Then call the Javascript to change the background image when something happens on the page, like when it finishes loading:
<script type="text/javascript">
$(document).ready(function() {
$('body').css('background-image', 'url(../images/backgrounds/header-top.jpg)');
});
</script>