Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false. The description adds meaningful behavioral context beyond annotations: pagination behavior for large groups, the insurersDetailPage total, and the nextOffset usage for paging. This gives an agent a realistic picture of response size and iteration without contradicting annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.