One embodiment of a topper for a bed includes a liner assembly 40 having a top liner 42, a bottom liner 44 and a slip liner 70 underneath the bottom liner. The slip liner is of relatively lower friction than the top liner. An apron 62, with openings 76 therein, extends from the perimeter of the liners. Another embodiment includes a liner assembly having a top liner, a bottom liner and a slip liner underneath the bottom liner. The slip liner is of relatively lower friction than the top liner. Bridge straps 98, or 98′ having a working length of at least the width of a host mattress minus the arm length of a fifth percentile female extend from the liner assembly.