This will depend entirely on the composition and needs of your business. We can help you think about issues such as how losing different team members would affect you, both in the short term and long term, how easy those people would be to replace and what financial impact their loss would have.
As a general guide, the types of people you may wish to insure against death or critical illness include:
Directors
Senior executives
Managers
Technical specialists
Anyone else whose skills and/or experience make them particularly valuable and hard to replace