Generates a handoff to connect the user with a matched independent agent.
| Name | Required | Description | Default |
|---|---|---|---|
| user_state | Yes | ||
| risk_profile | Yes | ||
| user_zip_code | Yes | ||
| recommended_carriers | No | ||
| user_contact_preference | No | either |
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must disclose side effects, permissions, or output behavior. It only says 'Generates a handoff,' which reveals nothing about whether data is sent, whether the action is reversible, what the user sees, or what occurs after invocation. This is a complete lack of behavioral disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is only one sentence and front-loaded, but it is under-specified rather than concise. It omits essential context despite the tool having a nested object and multiple parameters, so brevity is a deficiency, not a strength.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's complexity (5 parameters, 3 required, nested risk_profile, no output schema, no annotations), a one-sentence description is grossly insufficient. It does not explain the expected input flow, the meaning of return values, or the post-conditions of the handoff.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, and the description adds no meaning to any of the 5 parameters or the nested risk_profile object. It does not explain what parameters are used for or how they affect the handoff, so the agent must guess at parameter semantics.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description uses a specific verb ('Generates a handoff') and names the resource ('connect the user with a matched independent agent'), which clearly distinguishes it from sibling analysis tools like classify_business or get_carrier_recommendations. It is not a tautology and communicates the core function.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description does not state when to use this tool versus alternatives. It implies a handoff after matching, but gives no explicit context, prerequisites, or exclusions. Sibling tools suggest different purposes, but no comparison is offered.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Add one secure layer between your agents and this server.
Each tool has a distinct purpose: classification, coverage suggestions, explanations, carrier recommendations, and agent handoff. There is no overlap between tools; even the recommendation-focused tools operate on different layers (coverage vs. carrier).
All tool names follow a consistent verb_noun snake_case pattern (classify_business, connect_with_agent, explain_coverage, get_carrier_recommendations, suggest_coverages). The naming is predictable and clearly indicates the action and target.
With 5 tools, the server is well-scoped for its purpose of guiding small businesses through insurance discovery and connection. Each tool serves a necessary step in the workflow, and none feel redundant or excessive.
The tool set covers the full journey from business classification to coverage suggestions, educational explanations, carrier recommendations, and human agent handoff. No obvious missing capabilities for the stated purpose of the server.